BlastPoint's Banking Scorecard

The Bank of Grain Valley

$100M-$1B Specialty: Commercial MO FDIC cert 8564

Grain Valley, MO

2 branches across MO

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

The Bank of Grain Valley has 5 strengths but faces 4 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 66.2% in tier
+ Return on Assets 0.89% above tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 11.99% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 14.3% in tier
- Deposit Outflow: Bottom 46.2% in tier
- Capital Constraint: Bottom 66.7% in tier
- Non-Interest Income / Assets 0.26% below 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 ?	$103.4M -6.3% YoY -4.0% QoQ	-$282.7M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	Bottom 1.2% in tier
Total Loans ?	$69.8M +3.1% YoY +3.6% QoQ	-$185.9M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	Bottom 7.5% in tier
Total Deposits ?	$78.5M -9.3% YoY -5.6% QoQ	-$249.4M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	Bottom 0.9% in tier
Return on Assets ?	2.16% +0.9% YoY +0.4% QoQ	+0.89%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 9.5% in tier
Net Interest Margin ?	4.72% +7.6% YoY +2.8% QoQ	+0.79%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 12.7% in tier
Efficiency Ratio ?	53.30% +5.5% YoY +2.6% QoQ	-11.99%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	78%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.85% +13.7% YoY +9.8% QoQ	+12.21%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	33.01% +5.2% YoY +1.9% QoQ	+10.99%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	Top 12.5% in tier
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	23.49% +6.4% YoY +2.0% QoQ	+7.66%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Top 8.0% in tier
Non-Interest Income / Assets ?	0.02% +6.8% YoY -73.5% QoQ	-0.26%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Bottom 2.9% in tier

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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 (1)

Deposit Franchise

growth

#181 of 272 • Top 66.2% 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: 33.01%

(Tier: 22.02%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.72%

(Tier: 3.93%, National: 3.89%)

better than tier avg

272 of 272 Community banks match · 369 nationally

→ Stable -14 banks QoQ | QoQ rank improving

Concerns (3)

Liquidity Overhang

risk

#107 of 739 • Bottom 14.3% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 23.49%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 88.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#235 of 506 • Bottom 46.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank improving

Capital Constraint

risk

#73 of 108 • Bottom 66.7% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 88.85%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 23.49%

(Tier: 15.83%, National: 17.06%)

better than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 (7 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

214

Tier 1 Capital Ratio

capital

Value: 23.49%

Peer Median: 15.83%

#214 of 2664 Top 8.0% in $100M-$1B

253

Return on Assets

profitability

Value: 2.16%

Peer Median: 1.27%

#253 of 2664 Top 9.5% in $100M-$1B

334

Non-Interest-Bearing Deposit Share

funding

Value: 33.01%

Peer Median: 22.02%

#334 of 2664 Top 12.5% in $100M-$1B

339

Net Interest Margin

profitability

Value: 4.72%

Peer Median: 3.93%

#339 of 2664 Top 12.7% in $100M-$1B

594

Efficiency Ratio

profitability

Value: 53.30%

Peer Median: 65.29%

#594 of 2664 Top 22.3% in $100M-$1B

Top Weaknesses (4 metrics)

2641

Total Deposits

size

Value: $78.52M

Peer Median: $327.97M

#2641 of 2664 Bottom 0.9% in $100M-$1B

2633

Total Assets

size

Value: $103.37M

Peer Median: $386.08M

#2633 of 2664 Bottom 1.2% in $100M-$1B

2589

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2589 of 2664 Bottom 2.9% in $100M-$1B

2465

Total Loans

size

Value: $69.77M

Peer Median: $255.72M

#2465 of 2664 Bottom 7.5% in $100M-$1B