BlastPoint's Banking Scorecard
Parkside Financial Bank & Trust
Designations: ✓ Community bank
Clayton, MO
2 branches across CO · MO
Parkside Financial Bank & Trust has 5 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 24.4% in tier
- + Deposit Franchise: Top 69.8% in tier
- + Delinquency Rate 0.89% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.09% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 1.5% in tier
- - Capital Constraint: Bottom 32.4% in tier
- - Liquidity Strain: Bottom 36.2% in tier
- - Efficiency Ratio 4.20% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-5.2% YoY
+0.5% QoQ
|
-$1.8B |
$2.8B
-0.1% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 4.6% in tier |
| Total Loans ? |
$842.2M
+6.5% YoY
+1.2% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$890.5M
-7.0% YoY
+0.7% QoQ
|
-$1.5B |
$2.3B
-0.3% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 5.8% in tier |
| Return on Assets ? |
1.46%
+54.7% YoY
+30.0% QoQ
|
+0.09% |
1.37%
+19.6% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
4.48%
+19.2% YoY
+9.3% QoQ
|
+0.66% |
3.82%
+6.9% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 12.0% in tier |
| Efficiency Ratio ? |
65.26%
-8.2% YoY
-2.8% QoQ
|
+4.20% |
61.06%
-4.6% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? | 0.00% | -0.89% |
0.89%
+14.1% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
94.57%
+14.5% YoY
+0.5% QoQ
|
+10.37% |
84.20%
+0.3% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
29.93%
-11.9% YoY
-9.5% QoQ
|
+8.65% |
21.29%
-2.5% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+15.6% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
13.13%
+2.5% YoY
+3.1% QoQ
|
-2.03% |
15.16%
+2.0% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.43%
+31.7% YoY
-71.2% QoQ
|
+0.17% |
0.26%
+1.6% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
Top 7.7% in tier |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (2)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (3)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.