BlastPoint's Banking Scorecard

Bank 21

$100M-$1B Specialty: Commercial MO FDIC cert 8560

Carrollton, MO

5 branches across MO

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

Bank 21 has 4 strengths but faces 1 concern

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

+ Profitability Leader: Top 8.0% in tier
+ Credit Quality Leader: Top 11.6% in tier
+ Net Interest Margin 1.30% above tier average
+ Efficiency Ratio 16.84% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 31.90% above tier average

Get updates when Bank 21 releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$196.1M +13.4% YoY +0.1% QoQ	-$190.0M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	25%
Total Loans ?	$175.2M +15.0% YoY +1.0% QoQ	-$80.5M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	43%
Total Deposits ?	$161.4M +11.2% YoY +2.3% QoQ	-$166.5M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	24%
Return on Assets ?	2.71% +37.2% YoY +7.7% QoQ	+1.44%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 3.3% in tier
Net Interest Margin ?	5.23% -0.5% YoY -2.7% QoQ	+1.30%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 4.7% in tier
Efficiency Ratio ?	48.45% -16.9% YoY -4.9% QoQ	-16.84%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 13.1% in tier
Delinquency Rate ?	0.06% -1.2% YoY +37.6% QoQ	-0.83%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	78%
Loan-to-Deposit Ratio ?	108.54% +3.4% YoY -1.3% QoQ	+31.90%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 3.5% in tier
Non-Interest-Bearing Deposit Share ?	24.94% +8.7% YoY +4.6% QoQ	+2.92%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.59% -52.1% YoY -27.6% QoQ	-0.05%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	33%
Tier 1 Capital Ratio ?	12.80% +1.8% YoY +4.7% QoQ	-3.03%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.08% +321.2% YoY -63.5% QoQ	-0.20%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	41%

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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)

Profitability Leader

growth

#54 of 666 • Top 8.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.71%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#78 of 664 • Top 11.6% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.06%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.71%

Peer Median: 1.27%

#90 of 2664 Top 3.3% in $100M-$1B

127

Net Interest Margin

profitability

Value: 5.23%

Peer Median: 3.93%

#127 of 2664 Top 4.7% in $100M-$1B

350

Efficiency Ratio

profitability

Value: 48.45%

Peer Median: 65.29%

#350 of 2664 Top 13.1% in $100M-$1B

574

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.89%

#574 of 2654 Top 21.6% in $100M-$1B

Top Weaknesses (2 metrics)

2572

Loan-to-Deposit Ratio

liquidity

Value: 108.54%

Peer Median: 76.64%

#2572 of 2664 Bottom 3.5% in $100M-$1B

2023

Total Deposits

size

Value: $161.44M

Peer Median: $327.97M

#2023 of 2664 Bottom 24.1% in $100M-$1B