BlastPoint's Banking Scorecard
Alton Bank
Alton, MO
2 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 +14.5% year over year ($127.9M on the books).
- Delinquency rate 0.52%.
- Return on assets 0.99%.
- Efficiency ratio 71.08% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.59% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Alton Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Net Interest Margin 0.54% below tier average
- - Efficiency Ratio 6.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$145.0M
+13.8% YoY
+4.5% QoQ
|
-$241.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.6% in tier |
| Total Loans ? |
$81.3M
+18.0% YoY
+0.5% QoQ
|
-$177.0M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.1% in tier |
| Total Deposits ? |
$127.9M
+14.5% YoY
+4.7% QoQ
|
-$198.9M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
Bottom 14.9% in tier |
| Return on Assets ? |
0.99%
+78.1% YoY
-7.6% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
3.45%
+22.1% YoY
+1.4% QoQ
|
-0.54% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
25% |
| Efficiency Ratio ? |
71.08%
-12.8% YoY
+1.4% QoQ
|
+6.60% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
28% |
| Delinquency Rate ? |
0.52%
-15.8% YoY
+80.6% QoQ
|
-0.40% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
63.59%
+3.0% YoY
-4.0% QoQ
|
-14.36% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
21.56%
+26.3% YoY
+27.5% QoQ
|
-0.47% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.45%
+34.7% YoY
+105.6% QoQ
|
-0.22% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
9.77%
-9.2% YoY
-2.3% QoQ
|
-6.14% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 7.9% in tier |
| Non-Interest Income / Assets ? |
0.24%
+7.2% YoY
+92.6% QoQ
|
-0.33% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
60% |
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 |
21.6%
+4.5pp YoY +4.7pp QoQ |
-0.6pp | 22.1% | 20.9% | 22.2% | 52% |
| Brokered Deposits |
6.7%
+5.4pp YoY +2.6pp QoQ |
-1.2pp | 7.9% | 7.4% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.8%
-0.3pp YoY -0.4pp QoQ |
-2.8pp | 11.6% | 12.3% | 12.5% | 45% |
| CRE | n/a | n/a | 39.5% | 36.8% | 41.4% | n/a |
| 1-4 Family |
52.9%
+8.5pp YoY +3.1pp QoQ |
+20.2pp | 32.6% | 31.9% | 31.3% | 85% |
| Consumer |
10.1%
-1.2pp YoY +0.8pp QoQ |
+6.0pp | 4.1% | 4.1% | 5.0% | 92% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
9.8%
-1.0pp YoY -0.2pp QoQ |
-9.1pp | 18.8% | 18.5% | 19.7% | 1% |
| Leverage Ratio |
8.0%
0.0pp YoY -0.2pp QoQ |
-4.2pp | 12.2% | 11.6% | 12.6% | 2% |
| Total Capital Ratio |
10.3%
-1.2pp YoY -0.2pp QoQ |
-9.7pp | 19.9% | 19.6% | 20.8% | 0% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+2 (+10.5%) YoY +2 (+10.5%) QoQ |
-38 | 58 | 162 | 482 | 12% |
| Assets per Employee ($) |
$6.9M
+3.0% YoY -5.5% QoQ |
-$613K | $7.5M | $8.0M | $8.8M | 50% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
+0.1pp YoY +0.2pp QoQ |
0.0pp | 0.3% | 0.3% | 0.4% | 74% |
| Nonaccrual |
0.2%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 31% |
| Allowance Coverage |
1.31x
-6.7% YoY -41.1% QoQ |
-22.85x | 24.15x | 10.47x | 20.23x | 35% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 52% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.2%
+5.1pp YoY -1.0pp QoQ |
+1.0pp | 12.2% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
2.7%
-0.2pp YoY 0.0pp QoQ |
+1.0pp | 1.7% | 1.8% | 1.7% | 94% |
| Net Income ($, YTD) |
$691,000
+89.8% YoY — QoQ |
-$1.9M | $2.6M | $11.3M | $40.4M | 16% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.