BlastPoint's Banking Scorecard
O'Bannon Banking Company
Buffalo, MO
5 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 +7.1% year over year ($297.0M on the books).
- Delinquency rate 1.48%.
- Return on assets 1.16%.
- Efficiency ratio 59.22% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
O'Bannon Banking Company has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 5.26% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 49.9% in tier
- - ROA 0.16% below tier average
- - Delinquency Rate 0.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$332.6M
+7.7% YoY
-0.4% QoQ
|
-$54.0M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
51% |
| Total Loans ? |
$245.2M
+13.0% YoY
+1.1% QoQ
|
-$13.2M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$297.0M
+7.1% YoY
-0.9% QoQ
|
-$29.7M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
1.16%
+10.6% YoY
+14.1% QoQ
|
-0.16% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
4.07%
+1.3% YoY
-0.5% QoQ
|
+0.08% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
57% |
| Efficiency Ratio ? |
59.22%
-7.2% YoY
-0.8% QoQ
|
-5.26% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
1.48%
+22.8% YoY
-2.4% QoQ
|
+0.56% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
82.55%
+5.5% YoY
+2.0% QoQ
|
+4.59% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
21.21%
+4.7% YoY
+7.3% QoQ
|
-0.82% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
51% |
| Nonperforming Asset Ratio ? |
1.09%
+28.9% YoY
-0.9% QoQ
|
+0.42% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
9.36%
+0.3% YoY
+3.4% QoQ
|
-6.55% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 3.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
-1.7% YoY
+105.7% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
18% |
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 |
21.2%
+1.0pp YoY +1.4pp QoQ |
-0.9pp | 22.1% | 20.9% | 22.2% | 50% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
8.7%
+1.6pp YoY +0.4pp QoQ |
-2.9pp | 11.6% | 12.3% | 12.5% | 45% |
| CRE |
33.4%
-2.5pp YoY +0.9pp QoQ |
-6.1pp | 39.5% | 36.8% | 41.4% | 41% |
| 1-4 Family |
32.9%
+1.3pp YoY -1.0pp QoQ |
+0.2pp | 32.6% | 31.9% | 31.3% | 57% |
| Consumer |
1.2%
-0.3pp YoY -0.1pp QoQ |
-2.9pp | 4.1% | 4.1% | 5.0% | 34% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
9.4%
0.0pp YoY +0.3pp QoQ |
-2.8pp | 12.2% | 11.6% | 12.6% | 18% |
| Total Capital Ratio | n/a | n/a | 19.9% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
55
-2 (-3.5%) YoY +2 (+3.8%) QoQ |
-4 | 58 | 162 | 482 | 58% |
| Assets per Employee ($) |
$6.0M
+11.6% YoY -4.0% QoQ |
-$1.5M | $7.5M | $8.0M | $8.8M | 34% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
1.5%
+0.3pp YoY 0.0pp QoQ |
+0.5pp | 0.9% | 0.8% | 1.0% | 82% |
| Allowance Coverage |
0.80x
-11.2% YoY +2.0% QoQ |
-23.35x | 24.15x | 10.47x | 20.23x | 20% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.3%
+0.7pp YoY +1.5pp QoQ |
+1.1pp | 12.2% | 14.3% | 11.6% | 58% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 70% |
| Net Income ($, YTD) |
$1.9M
+19.6% YoY — QoQ |
-$648K | $2.6M | $11.3M | $40.4M | 50% |
Get Full Access to O'Bannon Banking Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.