BlastPoint's Banking Scorecard
The Maries County Bank
Vienna, MO
12 branches across MO
The Maries County Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.21% above tier average
- + Delinquency Rate 0.72% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 37.3% in tier
- - ROA 0.15% below tier average
- - Efficiency Ratio 1.88% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$601.5M
-0.5% YoY
-0.9% QoQ
|
+$215.4M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$364.5M
+6.1% YoY
+1.4% QoQ
|
+$108.8M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$520.1M
-2.2% YoY
-1.1% QoQ
|
+$192.1M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
81% |
| Return on Assets ? |
1.12%
+36.5% YoY
+6.0% QoQ
|
-0.15% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
4.14%
+14.2% YoY
+5.8% QoQ
|
+0.21% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
65% |
| Efficiency Ratio ? |
67.16%
-7.0% YoY
-0.1% QoQ
|
+1.88% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
39% |
| Delinquency Rate ? |
0.17%
-1.0% YoY
-33.3% QoQ
|
-0.72% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
70.09%
+8.4% YoY
+2.6% QoQ
|
-6.55% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
18.02%
+8.5% YoY
+4.4% QoQ
|
-4.00% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.10%
-56.8% YoY
-34.7% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
14.85%
+5.9% YoY
+2.1% QoQ
|
-0.98% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.16%
+1.6% YoY
-76.6% QoQ
|
-0.12% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
77% |
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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 (0)
Concerns (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.