BlastPoint's Banking Scorecard
Four States Bank
Carthage, MO
4 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
- Deposits +127.8% year over year ($114.3M on the books).
- Delinquency rate 0.00%.
- Return on assets 0.03%.
- Efficiency ratio 84.40% vs a 64.48% peer average.
- Loan-to-deposit ratio 89.46% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Four States Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + Net Interest Margin 0.22% above tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.30% below tier average
- - Efficiency Ratio 19.92% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$142.1M
+95.9% YoY
+22.0% QoQ
|
-$244.5M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.0% in tier |
| Total Loans ? |
$102.2M
+116.9% YoY
+19.8% QoQ
|
-$156.1M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$114.3M
+127.8% YoY
+23.3% QoQ
|
-$212.5M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.9% in tier |
| Return on Assets ? |
0.03%
+101.6% YoY
+259.1% QoQ
|
-1.30% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.5% in tier |
| Net Interest Margin ? |
4.21%
-2.3% YoY
+3.4% QoQ
|
+0.22% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
84.40%
-26.0% YoY
-2.5% QoQ
|
+19.92% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Bottom 9.6% in tier |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
89.46%
-4.8% YoY
-2.8% QoQ
|
+11.50% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
14.15%
+24.4% YoY
+53.3% QoQ
|
-7.88% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.85%
-52.0% YoY
-22.8% QoQ
|
-0.06% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.54%
+7.0% YoY
+66.8% QoQ
|
-0.03% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Top 8.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
14.2%
+2.8pp YoY +4.9pp QoQ |
-8.0pp | 22.1% | 20.9% | 22.2% | 20% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.2%
+4.2pp YoY -1.3pp QoQ |
+3.7pp | 11.6% | 12.3% | 12.5% | 77% |
| CRE |
64.9%
-4.5pp YoY +1.3pp QoQ |
+25.3pp | 39.5% | 36.8% | 41.4% | 89% |
| 1-4 Family |
16.1%
+2.9pp YoY +0.9pp QoQ |
-16.5pp | 32.6% | 31.9% | 31.3% | 21% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.0pp | 4.1% | 4.1% | 5.0% | 6% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
15.8%
-17.2pp YoY -4.7pp QoQ |
+3.7pp | 12.2% | 11.6% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
31
+9 (+40.9%) YoY 0 QoQ |
-28 | 58 | 162 | 482 | 28% |
| Assets per Employee ($) |
$4.6M
+39.0% YoY +22.0% QoQ |
-$2.9M | $7.5M | $8.0M | $8.8M | 9% |
| Branch Count |
4
+1 (+33.3%) YoY 0 QoQ |
-1 | 4 | 10 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 0.8% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 10.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.3% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
0.1%
+5.1pp YoY +0.1pp QoQ |
-12.0pp | 12.2% | 14.3% | 11.6% | 3% |
| Cost of Funds (YTD) |
3.0%
+0.6pp YoY +0.3pp QoQ |
+1.3pp | 1.7% | 1.8% | 1.7% | 97% |
| Net Income ($, YTD) |
$16,000
+103.0% YoY — QoQ |
-$2.5M | $2.6M | $11.3M | $40.4M | 3% |
Get Full Access to Four States Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.