BlastPoint's Banking Scorecard
The Bank of Monroe
Union, WV
3 branches across WV
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 32 in WV.
- Deposits +4.1% year over year ($224.2M on the books).
- Delinquency rate 0.34%.
- Return on assets 1.38%.
- Efficiency ratio 58.01% vs a 64.48% peer average.
- Loan-to-deposit ratio 69.14% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Bank of Monroe has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.06% above tier average
- + Efficiency Ratio 6.47% below tier average
- + Delinquency Rate 0.58% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 46.0% in tier
- - Net Interest Margin 0.18% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$255.4M
+5.2% YoY
+1.7% QoQ
|
-$131.2M |
$386.6M
+1.2% YoY
|
$1.3B
+5.7% YoY
|
$6.3B
+7.7% YoY
|
38% |
| Total Loans ? |
$155.0M
+7.2% YoY
+0.5% QoQ
|
-$103.3M |
$258.3M
+1.7% YoY
|
$899.3M
+7.6% YoY
|
$3.2B
+9.4% YoY
|
37% |
| Total Deposits ? |
$224.2M
+4.1% YoY
+1.3% QoQ
|
-$102.6M |
$326.7M
+0.7% YoY
|
$1.1B
+6.2% YoY
|
$4.9B
+7.3% YoY
|
39% |
| Return on Assets ? |
1.38%
+11.8% YoY
-0.7% QoQ
|
+0.06% |
1.32%
+10.8% YoY
|
1.06%
+30.6% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
3.81%
+8.6% YoY
+2.1% QoQ
|
-0.18% |
3.99%
+5.0% YoY
|
3.90%
+8.7% YoY
|
3.95%
+4.9% YoY
|
43% |
| Efficiency Ratio ? |
58.01%
-6.3% YoY
-2.7% QoQ
|
-6.47% |
64.48%
-3.2% YoY
|
68.34%
-7.3% YoY
|
70.05%
+2.5% YoY
|
63% |
| Delinquency Rate ? |
0.34%
-12.9% YoY
-1.6% QoQ
|
-0.58% |
0.92%
+15.7% YoY
|
0.74%
+17.9% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
69.14%
+2.9% YoY
-0.8% QoQ
|
-8.81% |
77.95%
+1.0% YoY
|
79.72%
+2.0% YoY
|
79.03%
+2.3% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
22.69%
-2.9% YoY
+3.2% QoQ
|
+0.66% |
22.03%
-0.6% YoY
|
26.43%
-1.4% YoY
|
21.98%
-0.6% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.21%
-11.3% YoY
-2.7% QoQ
|
-0.46% |
0.67%
+16.4% YoY
|
0.55%
+10.4% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
21.49%
-0.8% YoY
+1.7% QoQ
|
+5.58% |
15.91%
+1.4% YoY
|
14.02%
-0.7% YoY
|
17.09%
+0.8% YoY
|
Top 11.2% in tier |
| Non-Interest Income / Assets ? |
0.34%
-26.1% YoY
+114.2% QoQ
|
-0.22% |
0.57%
+7.6% YoY
|
0.30%
+5.9% YoY
|
0.66%
+5.2% YoY
|
78% |
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 (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
22.7%
-0.7pp YoY +0.7pp QoQ |
+0.5pp | 22.1% | 27.1% | 22.2% | 58% |
| Brokered Deposits | n/a | n/a | 7.9% | 3.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.1%
+0.2pp YoY +0.1pp QoQ |
-3.4pp | 11.6% | 7.1% | 12.5% | 42% |
| CRE | n/a | n/a | 39.5% | 33.8% | 41.4% | n/a |
| 1-4 Family |
52.9%
-1.0pp YoY -0.5pp QoQ |
+20.2pp | 32.6% | 52.8% | 31.3% | 85% |
| Consumer |
2.2%
-0.5pp YoY 0.0pp QoQ |
-1.9pp | 4.1% | 7.9% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
21.5%
-0.2pp YoY +0.4pp QoQ |
+2.7pp | 18.8% | 17.1% | 19.7% | 82% |
| Leverage Ratio |
13.2%
+0.3pp YoY +0.2pp QoQ |
+1.0pp | 12.2% | 11.6% | 12.6% | 77% |
| Total Capital Ratio |
22.8%
-0.1pp YoY +0.4pp QoQ |
+2.9pp | 19.9% | 18.1% | 20.8% | 82% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
42
+3 (+7.7%) YoY +2 (+5.0%) QoQ |
-17 | 58 | 161 | 482 | 44% |
| Assets per Employee ($) |
$6.1M
-2.3% YoY -3.2% QoQ |
-$1.4M | $7.5M | $6.1M | $8.8M | 35% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 13 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.7% | 1.0% | 42% |
| Allowance Coverage |
3.77x
+25.7% YoY +3.8% QoQ |
-20.38x | 24.15x | 6.60x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WV) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.0%
+0.4pp YoY -0.2pp QoQ |
-0.2pp | 12.2% | 10.6% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.5% | 1.7% | 39% |
| Net Income ($, YTD) |
$1.7M
+17.3% YoY — QoQ |
-$807K | $2.6M | $9.0M | $40.4M | 47% |
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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 (0)
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.