BlastPoint's Banking Scorecard
Alton Bank
Alton, MO
2 branches across MO
Alton Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.60% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 24.9% in tier
- - NIB Deposit Bleed: Bottom 54.5% in tier
- - ROA 0.19% below tier average
- - Net Interest Margin 0.53% below tier average
- - Efficiency Ratio 4.84% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.8M
+3.0% YoY
+4.0% QoQ
|
-$247.3M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.8% in tier |
| Total Loans ? |
$80.9M
+20.4% YoY
+8.8% QoQ
|
-$174.9M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.5% in tier |
| Total Deposits ? |
$122.1M
+2.2% YoY
+4.3% QoQ
|
-$205.9M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.5% in tier |
| Return on Assets ? |
1.08%
+164.8% YoY
+61.8% QoQ
|
-0.19% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
43% |
| Net Interest Margin ? |
3.40%
+27.6% YoY
+15.7% QoQ
|
-0.53% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
70.12%
-18.1% YoY
-11.2% QoQ
|
+4.84% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.29%
-60.1% YoY
-62.6% QoQ
|
-0.60% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
66.25%
+17.8% YoY
+4.3% QoQ
|
-10.39% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
16.91%
-16.4% YoY
+0.1% QoQ
|
-5.11% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.22%
-39.2% YoY
-54.6% QoQ
|
-0.42% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
58% |
| Tier 1 Capital Ratio ? |
10.00%
-0.3% YoY
-4.8% QoQ
|
-5.83% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
Bottom 9.8% in tier |
| Non-Interest Income / Assets ? |
0.12%
+22.0% YoY
-72.7% QoQ
|
-0.16% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
64% |
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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 (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.