BlastPoint's Banking Scorecard

Bank 21

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

Carrollton, 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 +7.5% year over year ($164.7M on the books).
Delinquency rate 0.05%.
Return on assets 2.72%.
Efficiency ratio 47.71% vs a 64.48% peer average.
Loan-to-deposit ratio 109.56% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (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

+ Credit Quality Leader: Top 12.0% in tier
+ Profitability Leader: Top 18.6% in tier
+ Net Interest Margin 1.26% above tier average
+ Efficiency Ratio 16.77% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 31.61% above tier average

Get updates when Bank 21 releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$202.1M +9.8% YoY +3.1% QoQ	-$184.5M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	27%
Total Loans ?	$180.4M +11.3% YoY +3.0% QoQ	-$77.9M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	43%
Total Deposits ?	$164.7M +7.5% YoY +2.0% QoQ	-$162.0M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	25%
Return on Assets ?	2.72% +13.4% YoY +0.3% QoQ	+1.40%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	Top 3.2% in tier
Net Interest Margin ?	5.24% -1.2% YoY +0.3% QoQ	+1.26%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 5.0% in tier
Efficiency Ratio ?	47.71% -10.2% YoY -1.5% QoQ	-16.77%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	Top 12.6% in tier
Delinquency Rate ?	0.05% -2.7% YoY -11.6% QoQ	-0.87%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	79%
Loan-to-Deposit Ratio ?	109.56% +3.6% YoY +0.9% QoQ	+31.61%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	Bottom 3.2% in tier
Non-Interest-Bearing Deposit Share ?	25.63% +11.1% YoY +2.7% QoQ	+3.60%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	68%
Nonperforming Asset Ratio ?	0.54% -48.1% YoY -7.5% QoQ	-0.13%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	12.58% +3.8% YoY -1.8% QoQ	-3.33%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.13% +64.4% YoY +60.1% QoQ	-0.43%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	29%

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	25.6% +2.6pp YoY +0.7pp QoQ	+3.5pp	22.1%	20.9%	22.2%	68%
Brokered Deposits	2.4% +0.8pp YoY -0.7pp QoQ	-5.4pp	7.9%	7.4%	8.5%	33%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	9.7% +2.3pp YoY 0.0pp QoQ	-1.9pp	11.6%	12.3%	12.5%	51%
CRE	51.8% -2.5pp YoY -0.6pp QoQ	+12.2pp	39.5%	36.8%	41.4%	73%
1-4 Family	29.3% +1.0pp YoY +0.3pp QoQ	-3.4pp	32.6%	31.9%	31.3%	49%
Consumer	1.0% -0.4pp YoY -0.1pp QoQ	-3.2pp	4.1%	4.1%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.6% +0.5pp YoY -0.2pp QoQ	-6.2pp	18.8%	18.5%	19.7%	23%
Leverage Ratio	11.5% +0.2pp YoY -0.1pp QoQ	-0.7pp	12.2%	11.6%	12.6%	58%
Total Capital Ratio	13.8% +0.5pp YoY -0.2pp QoQ	-6.1pp	19.9%	19.6%	20.8%	24%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	33 -1 (-2.9%) YoY +1 (+3.1%) QoQ	-26	58	162	482	31%
Assets per Employee ($)	$6.1M +13.2% YoY -0.1% QoQ	-$1.4M	$7.5M	$8.0M	$8.8M	36%
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	0.1% 0.0pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.8%	1.0%	12%
Allowance Coverage	25.80x -0.4% YoY +10.2% QoQ	+1.65x	24.15x	10.47x	20.23x	90%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY +0.1pp QoQ	-0.2pp	0.1%	0.3%	0.2%	6%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	24.4% +2.5pp YoY +0.1pp QoQ	+12.2pp	12.2%	14.3%	11.6%	96%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	67%
Net Income ($, YTD)	$2.7M +27.4% YoY — QoQ	+$136K	$2.6M	$11.3M	$40.4M	65%

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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)

Credit Quality Leader

growth

#80 of 659 • Top 12.0% in tier

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

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank declining

Profitability Leader

growth

#124 of 661 • Top 18.6% in tier

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

Why this signature

Return on Assets: 2.72%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.72%

Peer Median: 1.32%

#86 of 2643 Top 3.2% in $100M-$1B

133

Net Interest Margin

profitability

Value: 5.24%

Peer Median: 3.99%

#133 of 2643 Top 5.0% in $100M-$1B

334

Efficiency Ratio

profitability

Value: 47.71%

Peer Median: 64.48%

#334 of 2643 Top 12.6% in $100M-$1B

554

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#554 of 2633 Top 21.0% in $100M-$1B

Top Weaknesses (1 metrics)

2560

Loan-to-Deposit Ratio

liquidity

Value: 109.56%

Peer Median: 77.95%

#2560 of 2643 Bottom 3.2% in $100M-$1B