BlastPoint's Banking Scorecard

Lead Bank

$1B-$10B Specialty: Other MO FDIC cert 8283

Designations: ✓ Community bank

Kansas City, 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
Deposits +61.4% year over year ($2.5B on the books).
Delinquency rate 3.34%.
Return on assets 1.59%.
Efficiency ratio 79.02% vs a 59.73% peer average.
Loan-to-deposit ratio 45.05% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 30 in MO

View $1B-$10B leaderboard (MO) →

Lead Bank has 3 strengths but faces 2 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

+ Deposit Franchise: Top 6.2% in tier
+ Revenue Diversifier: Top 18.0% in tier
+ ROA 0.20% above tier average

Key Concerns

Areas that may need attention

- Efficiency Ratio 19.30% above tier average
- Delinquency Rate 2.47% above tier average

Get updates when Lead Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$2.8B +58.3% YoY +3.0% QoQ	-$32.8M	$2.8B -0.6% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	66%
Total Loans ?	$1.1B +24.9% YoY +3.1% QoQ	-$852.9M	$2.0B -0.3% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	38%
Total Deposits ?	$2.5B +61.4% YoY +3.3% QoQ	+$146.0M	$2.3B -0.5% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	69%
Return on Assets ?	1.59% +21.1% YoY +0.1% QoQ	+0.20%	1.39% +17.0% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	7.93% -16.5% YoY -4.6% QoQ	+4.06%	3.87% +6.2% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 1.1% in tier
Efficiency Ratio ?	79.02% -1.8% YoY -1.2% QoQ	+19.30%	59.73% -12.6% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Bottom 8.0% in tier
Delinquency Rate ?	3.34% +85.0% YoY +42.5% QoQ	+2.47%	0.87% +11.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	Bottom 3.7% in tier
Loan-to-Deposit Ratio ?	45.05% -22.6% YoY -0.2% QoQ	-39.99%	85.04% -0.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Top 3.1% in tier
Non-Interest-Bearing Deposit Share ?	47.37% +17.2% YoY +0.3% QoQ	+26.10%	21.27% -1.5% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 2.1% in tier
Nonperforming Asset Ratio ?	1.34% +45.9% YoY +42.7% QoQ	+0.67%	0.67% +11.7% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 12.8% in tier
Tier 1 Capital Ratio ?	20.33% -24.0% YoY -9.3% QoQ	+5.49%	14.84% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	Top 7.1% in tier
Non-Interest Income / Assets ?	5.33% +113.4% YoY +172.1% QoQ	+4.80%	0.53% +2.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	Top 0.8% in tier

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	47.4% +7.0pp YoY +0.1pp QoQ	+26.0pp	21.4%	20.9%	22.2%	98%
Brokered Deposits	14.9% -6.7pp YoY -1.0pp QoQ	+5.4pp	9.5%	7.4%	8.5%	82%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	4.5% +0.7pp YoY -0.1pp QoQ	-9.5pp	14.0%	12.3%	12.5%	16%
CRE	28.6% +1.0pp YoY +1.3pp QoQ	-21.4pp	50.0%	36.8%	41.4%	10%
1-4 Family	2.9% -1.0pp YoY -0.2pp QoQ	-23.6pp	26.4%	31.9%	31.3%	4%
Consumer	64.2% +0.3pp YoY -1.6pp QoQ	+59.4pp	4.7%	4.1%	5.0%	99%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	20.3% -6.4pp YoY -2.1pp QoQ	+4.7pp	15.6%	18.5%	19.7%	92%
Leverage Ratio	7.4% +0.1pp YoY -0.2pp QoQ	-3.9pp	11.3%	11.6%	12.6%	1%
Total Capital Ratio	21.6% -6.4pp YoY -2.1pp QoQ	+4.9pp	16.7%	19.6%	20.8%	92%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	335 +73 (+27.9%) YoY +21 (+6.7%) QoQ	+21	313	162	482	70%
Assets per Employee ($)	$8.2M +23.8% YoY -3.5% QoQ	-$2.2M	$10.5M	$8.0M	$8.8M	44%
Branch Count	2 0 YoY 0 QoQ	-18	20	10	18	5%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	2.4% +1.2pp YoY +0.8pp QoQ	+2.3pp	0.2%	0.3%	0.4%	98%
Nonaccrual	0.9% +0.4pp YoY +0.2pp QoQ	+0.1pp	0.8%	0.8%	1.0%	70%
Allowance Coverage	0.71x +41.1% YoY +15.4% QoQ	-18.00x	18.71x	10.47x	20.23x	12%
Net Charge-off Rate (YTD)	0.9% +0.6pp YoY +0.1pp QoQ	+0.6pp	0.3%	0.3%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	18.1% +5.2pp YoY -0.1pp QoQ	+5.6pp	12.6%	14.3%	11.6%	86%
Cost of Funds (YTD)	0.9% +0.1pp YoY +0.1pp QoQ	-1.0pp	1.9%	1.8%	1.7%	5%
Net Income ($, YTD)	$21.3M +92.0% YoY — QoQ	+$2.1M	$19.2M	$11.3M	$40.4M	71%

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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 (2)

Deposit Franchise

growth

#6 of 80 • Top 6.2% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 47.37%

(Tier: 21.27%, National: 21.98%)

better than tier avg

Net Interest Margin: 7.93%

(Tier: 3.87%, National: 3.95%)

better than tier avg

80 of 80 Mid-Market banks match · 368 nationally

→ Stable -1 banks QoQ

Revenue Diversifier

growth

#41 of 222 • Top 18.0% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 5.33%

(Tier: 0.53%, National: 0.66%)

better than tier avg

Return on Assets: 1.59%

(Tier: 1.39%, National: 1.30%)

better than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable

Concerns (0)

No matched concern signatures this quarter

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 885 peers in $1B-$10B

Top Strengths (5 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 5.33%

Peer Median: 0.53%

#8 of 885 Top 0.8% in $1B-$10B

Net Interest Margin

profitability

Value: 7.93%

Peer Median: 3.87%

#11 of 885 Top 1.1% in $1B-$10B

Non-Interest-Bearing Deposit Share

funding

Value: 47.37%

Peer Median: 21.27%

#20 of 885 Top 2.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 45.05%

Peer Median: 85.04%

#28 of 885 Top 3.1% in $1B-$10B

Tier 1 Capital Ratio

capital

Value: 20.33%

Peer Median: 14.84%

#64 of 885 Top 7.1% in $1B-$10B

Top Weaknesses (3 metrics)

850

Delinquency Rate

credit_quality

Value: 3.34%

Peer Median: 0.87%

#850 of 882 Bottom 3.7% in $1B-$10B

815

Efficiency Ratio

profitability

Value: 79.02%

Peer Median: 59.73%

#815 of 885 Bottom 8.0% in $1B-$10B

773

Nonperforming Asset Ratio

credit_quality

Value: 1.34%

Peer Median: 0.67%

#773 of 885 Bottom 12.8% in $1B-$10B