BlastPoint's Banking Scorecard

O'Bannon Banking Company

$100M-$1B Specialty: Commercial MO FDIC cert 8295

Buffalo, MO

5 branches across MO

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

O'Bannon Banking Company has 2 strengths but faces 3 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

+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 5.56% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 48.8% in tier
- ROA 0.25% below tier average
- Delinquency Rate 0.63% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$333.8M +7.7% YoY +4.0% QoQ	-$52.3M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	52%
Total Loans ?	$242.4M +13.6% YoY -0.4% QoQ	-$13.3M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$299.6M +7.1% YoY +4.5% QoQ	-$28.3M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	1.02% +7.1% YoY -10.1% QoQ	-0.25%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	39%
Net Interest Margin ?	4.09% +5.1% YoY -0.6% QoQ	+0.16%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	59.73% -10.0% YoY -2.6% QoQ	-5.56%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	61%
Delinquency Rate ?	1.51% +14.3% YoY +26.6% QoQ	+0.63%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	18%
Loan-to-Deposit Ratio ?	80.91% +6.1% YoY -4.8% QoQ	+4.27%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	45%
Non-Interest-Bearing Deposit Share ?	19.77% +5.5% YoY -5.8% QoQ	-2.25%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	44%
Nonperforming Asset Ratio ?	1.10% +20.6% YoY +21.3% QoQ	+0.46%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	18%
Tier 1 Capital Ratio ?	9.00% -1.4% YoY -3.9% QoQ	-6.83%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 0.8% in tier
Non-Interest Income / Assets ?	0.05% +0.3% YoY -74.5% QoQ	-0.23%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	18%

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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 (1)

Capital Thin

risk

#326 of 666 • Bottom 48.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.00%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

2645

Tier 1 Capital Ratio

capital

Value: 9.00%

Peer Median: 15.83%

#2645 of 2664 Bottom 0.8% in $100M-$1B

2196

Nonperforming Asset Ratio

credit_quality

Value: 1.10%

Peer Median: 0.64%

#2196 of 2664 Bottom 17.6% in $100M-$1B

2179

Delinquency Rate

credit_quality

Value: 1.51%

Peer Median: 0.89%

#2179 of 2654 Bottom 17.9% in $100M-$1B

2175

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2175 of 2664 Bottom 18.4% in $100M-$1B