BlastPoint's Banking Scorecard

Goppert Financial Bank

$100M-$1B Specialty: Agricultural MO FDIC cert 8569

Lathrop, MO

4 branches across MO

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

Goppert Financial Bank has 4 strengths but faces 2 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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 6.75% below tier average

Key Concerns

Areas that may need attention

- Cost Spiral: Bottom 24.6% in tier
- Margin Compression: Bottom 64.9% in tier

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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 ?	$310.2M +11.9% YoY +4.7% QoQ	-$75.9M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	48%
Total Loans ?	$194.1M +20.9% YoY +6.1% QoQ	-$61.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	47%
Total Deposits ?	$268.0M +13.0% YoY +5.3% QoQ	-$60.0M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	49%
Return on Assets ?	1.31% -12.3% YoY -8.4% QoQ	+0.05%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	4.09% +1.1% YoY -1.8% QoQ	+0.16%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	62%
Efficiency Ratio ?	58.54% +12.6% YoY +7.8% QoQ	-6.75%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	65%
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 ?	72.45% +7.0% YoY +0.7% QoQ	-4.19%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	23.21% -1.8% YoY +1.7% QoQ	+1.19%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	59%
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 ?	10.09% +1.7% YoY -3.8% QoQ	-5.74%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 10.7% in tier
Non-Interest Income / Assets ?	0.06% -18.6% YoY -75.8% QoQ	-0.22%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	25%

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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 (2)

Cost Spiral

risk

#32 of 126 • Bottom 24.6% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 58.54%

(Tier: 65.29%, National: 66.95%)

better than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

Margin Compression

decline

#199 of 305 • Bottom 64.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.31%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ | QoQ rank declining

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 (2 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

Top Weaknesses (1 metrics)

2381

Tier 1 Capital Ratio

capital

Value: 10.09%

Peer Median: 15.83%

#2381 of 2664 Bottom 10.7% in $100M-$1B