BlastPoint's Banking Scorecard

Four States Bank

$100M-$1B Specialty: Commercial MO FDIC cert 59352

Carthage, MO

5 branches across MO

2664 banks in the $100M-$1B peer group nationally 143 in MO

Four States Bank has 3 strengths but faces 4 concerns

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.14% above tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 18.9% in tier
- NIB Deposit Bleed: Bottom 42.4% in tier
- Return on Assets 1.26% below tier average
- Efficiency Ratio 21.25% above tier average

Get updates when Four States Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$116.5M +88.4% YoY +22.2% QoQ	-$269.6M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 4.9% in tier
Total Loans ?	$85.3M +147.2% YoY +22.2% QoQ	-$170.4M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 13.6% in tier
Total Deposits ?	$92.7M +137.1% YoY +29.6% QoQ	-$235.3M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 3.6% in tier
Return on Assets ?	0.01% +100.6% YoY +100.6% QoQ	-1.26%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Bottom 3.6% in tier
Net Interest Margin ?	4.07% -9.5% YoY -6.7% QoQ	+0.14%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	86.53% -17.2% YoY -22.3% QoQ	+21.25%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Bottom 9.1% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	92.02% +4.3% YoY -5.7% QoQ	+15.38%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	9.23% -21.7% YoY -26.6% QoQ	-12.79%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Bottom 9.3% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	20.53% -49.5% YoY -21.5% QoQ	+4.70%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 12.2% in tier
Non-Interest Income / Assets ?	0.32% -27.1% YoY -43.4% QoQ	+0.04%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 6.2% in tier

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Liquidity Overhang

risk

#141 of 739 • Bottom 18.9% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.53%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 92.02%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ

NIB Deposit Bleed

decline

#85 of 198 • Bottom 42.4% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 9.23%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

167

Non-Interest Income / Assets

revenue_mix

Value: 0.32%

Peer Median: 0.28%

#167 of 2664 Top 6.2% in $100M-$1B

326

Tier 1 Capital Ratio

capital

Value: 20.53%

Peer Median: 15.83%

#326 of 2664 Top 12.2% in $100M-$1B

Top Weaknesses (7 metrics)

2570

Total Deposits

size

Value: $92.70M

Peer Median: $327.97M

#2570 of 2664 Bottom 3.6% in $100M-$1B

2569

Return on Assets

profitability

Value: 0.01%

Peer Median: 1.27%

#2569 of 2664 Bottom 3.6% in $100M-$1B

2535

Total Assets

size

Value: $116.48M

Peer Median: $386.08M

#2535 of 2664 Bottom 4.9% in $100M-$1B

2423

Efficiency Ratio

profitability

Value: 86.53%

Peer Median: 65.29%

#2423 of 2664 Bottom 9.1% in $100M-$1B

2416

Non-Interest-Bearing Deposit Share

funding

Value: 9.23%

Peer Median: 22.02%

#2416 of 2664 Bottom 9.3% in $100M-$1B

2303

Total Loans

size

Value: $85.30M

Peer Median: $255.72M

#2303 of 2664 Bottom 13.6% in $100M-$1B

2124

Loan-to-Deposit Ratio

liquidity

Value: 92.02%

Peer Median: 76.64%

#2124 of 2664 Bottom 20.3% in $100M-$1B