BlastPoint's Banking Scorecard

Parkside Financial Bank & Trust

$1B-$10B Specialty: Commercial MO FDIC cert 58796

Designations: ✓ Community bank

Clayton, MO

2 branches across CO · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +3.1% year over year ($923.3M on the books).
Delinquency rate 0.00%.
Return on assets 1.41%.
Efficiency ratio 65.68% vs a 59.73% peer average.
Loan-to-deposit ratio 96.40% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

Parkside Financial Bank & Trust has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 29.3% in tier
+ Delinquency Rate 0.87% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Net Interest Margin 0.68% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 5.96% above tier average

Get updates when Parkside Financial Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$1.1B +3.6% YoY +3.2% QoQ	-$1.7B	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	Bottom 8.2% in tier
Total Loans ?	$890.1M +10.6% YoY +5.7% QoQ	-$1.1B	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$923.3M +3.1% YoY +3.7% QoQ	-$1.4B	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	Bottom 9.8% in tier
Return on Assets ?	1.41% +53.4% YoY -3.4% QoQ	+0.02%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	63%
Net Interest Margin ?	4.55% +14.6% YoY +1.5% QoQ	+0.68%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 11.4% in tier
Efficiency Ratio ?	65.68% -8.0% YoY +0.6% QoQ	+5.96%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	30%
Delinquency Rate ?	0.00% -100.0% YoY	-0.87%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	96.40% +7.2% YoY +1.9% QoQ	+11.36%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	27.10% -10.2% YoY -9.5% QoQ	+5.82%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	77%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.67%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.99% +3.4% YoY -1.1% QoQ	-1.85%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	49%
Non-Interest Income / Assets ?	0.84% +22.4% YoY +96.9% QoQ	+0.31%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 8.0% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Noninterest-Bearing	27.1% -3.1pp YoY -2.8pp QoQ	+5.7pp	21.4%	20.9%	22.2%	77%
Brokered Deposits	17.7% -3.1pp YoY -0.7pp QoQ	+8.2pp	9.5%	7.4%	8.5%	87%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	47.8% -5.2pp YoY -1.3pp QoQ	+33.8pp	14.0%	12.3%	12.5%	98%
CRE	45.1% +6.5pp YoY +0.7pp QoQ	-4.9pp	50.0%	36.8%	41.4%	36%
1-4 Family	3.4% +0.1pp YoY +0.6pp QoQ	-23.0pp	26.4%	31.9%	31.3%	4%
Consumer	n/a	n/a	4.7%	4.1%	5.0%	n/a

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	13.0% +0.4pp YoY -0.1pp QoQ	-2.6pp	15.6%	18.5%	19.7%	41%
Leverage Ratio	13.0% +1.5pp YoY 0.0pp QoQ	+1.7pp	11.3%	11.6%	12.6%	85%
Total Capital Ratio	14.2% +0.4pp YoY -0.1pp QoQ	-2.4pp	16.7%	19.6%	20.8%	43%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	115 +6 (+5.5%) YoY +2 (+1.8%) QoQ	-199	313	162	482	12%
Assets per Employee ($)	$9.4M -1.8% YoY +1.4% QoQ	-$1.1M	$10.5M	$8.0M	$8.8M	59%
Branch Count	2 +1 (+100.0%) YoY 0 QoQ	-18	20	10	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.8%	0.8%	1.0%	n/a
Allowance Coverage	n/a	n/a	18.71x	10.47x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.3%	0.3%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	11.2% +2.6pp YoY -0.4pp QoQ	-1.4pp	12.6%	14.3%	11.6%	43%
Cost of Funds (YTD)	1.8% -0.2pp YoY 0.0pp QoQ	-0.1pp	1.9%	1.8%	1.7%	46%
Net Income ($, YTD)	$7.4M +48.9% YoY — QoQ	-$11.8M	$19.2M	$11.3M	$40.4M	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth

#66 of 222 • Top 29.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.84%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.41%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.87%

#1 of 882 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 885 Top 0.1% in $1B-$10B

Non-Interest Income / Assets

revenue_mix

Value: 0.84%

Peer Median: 0.53%

#72 of 885 Top 8.0% in $1B-$10B

102

Net Interest Margin

profitability

Value: 4.55%

Peer Median: 3.87%

#102 of 885 Top 11.4% in $1B-$10B

202

Non-Interest-Bearing Deposit Share

funding

Value: 27.10%

Peer Median: 21.27%

#202 of 885 Top 22.7% in $1B-$10B

Top Weaknesses (4 metrics)

813

Total Assets

size

Value: $1.08B

Peer Median: $2.79B

#813 of 885 Bottom 8.2% in $1B-$10B

799

Total Deposits

size

Value: $923.34M

Peer Median: $2.32B

#799 of 885 Bottom 9.8% in $1B-$10B

691

Loan-to-Deposit Ratio

liquidity

Value: 96.40%

Peer Median: 85.04%

#691 of 885 Bottom 22.0% in $1B-$10B

683

Total Loans

size

Value: $890.06M

Peer Median: $1.96B

#683 of 885 Bottom 22.9% in $1B-$10B