BlastPoint's Banking Scorecard
SULLIVAN BANK
Designations: ✓ Community bank
Sullivan, MO
11 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 885 banks in the $1B-$10B peer group nationwide — 1 of 30 in MO.
- Deposits +10.5% year over year ($1.2B on the books).
- Delinquency rate 1.47%.
- Return on assets 1.13%.
- Efficiency ratio 54.46% vs a 59.73% peer average.
- Loan-to-deposit ratio 95.71% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
SULLIVAN BANK has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.27% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.64% below tier average
- - ROA 0.26% below tier average
- - Net Interest Margin 0.41% below tier average
- - Delinquency Rate 0.60% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+10.7% YoY
+4.3% QoQ
|
-$1.4B |
$2.8B
-0.6% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
29% |
| Total Loans ? |
$1.2B
+11.5% YoY
+3.6% QoQ
|
-$790.7M |
$2.0B
-0.3% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
42% |
| Total Deposits ? |
$1.2B
+10.5% YoY
+3.0% QoQ
|
-$1.1B |
$2.3B
-0.5% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
33% |
| Return on Assets ? |
1.13%
+6.7% YoY
-7.9% QoQ
|
-0.26% |
1.39%
+17.0% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
39% |
| Net Interest Margin ? |
3.46%
+7.0% YoY
+2.3% QoQ
|
-0.41% |
3.87%
+6.2% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
34% |
| Efficiency Ratio ? |
54.46%
-6.0% YoY
-0.2% QoQ
|
-5.27% |
59.73%
-12.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
1.47%
+56.4% YoY
-11.4% QoQ
|
+0.60% |
0.87%
+11.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
95.71%
+0.9% YoY
+0.6% QoQ
|
+10.67% |
85.04%
-0.1% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
8.63%
-1.3% YoY
-5.7% QoQ
|
-12.64% |
21.27%
-1.5% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
Bottom 8.8% in tier |
| Nonperforming Asset Ratio ? |
1.41%
-0.9% YoY
-13.0% QoQ
|
+0.73% |
0.67%
+11.7% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 12.2% in tier |
| Tier 1 Capital Ratio ? |
11.52%
-1.0% YoY
-0.4% QoQ
|
-3.33% |
14.84%
-0.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.20%
+10.6% YoY
+100.0% QoQ
|
-0.33% |
0.53%
+2.5% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
31% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
8.6%
-0.1pp YoY -0.5pp QoQ |
-12.7pp | 21.4% | 20.9% | 22.2% | 8% |
| Brokered Deposits |
6.0%
+1.5pp YoY -0.2pp QoQ |
-3.4pp | 9.5% | 7.4% | 8.5% | 53% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.7%
-0.2pp YoY -0.3pp QoQ |
-7.3pp | 14.0% | 12.3% | 12.5% | 27% |
| CRE |
49.9%
+0.9pp YoY +0.3pp QoQ |
-0.1pp | 50.0% | 36.8% | 41.4% | 50% |
| 1-4 Family |
41.8%
-0.6pp YoY 0.0pp QoQ |
+15.4pp | 26.4% | 31.9% | 31.3% | 84% |
| Consumer |
1.8%
-0.1pp YoY 0.0pp QoQ |
-2.9pp | 4.7% | 4.1% | 5.0% | 60% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.5%
-0.1pp YoY 0.0pp QoQ |
-4.1pp | 15.6% | 18.5% | 19.7% | 17% |
| Leverage Ratio |
8.8%
0.0pp YoY -0.1pp QoQ |
-2.6pp | 11.3% | 11.6% | 12.6% | 8% |
| Total Capital Ratio |
12.8%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 16.7% | 19.6% | 20.8% | 17% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
166
+11 (+7.1%) YoY +3 (+1.8%) QoQ |
-148 | 313 | 162 | 482 | 29% |
| Assets per Employee ($) |
$8.4M
+3.4% YoY +2.4% QoQ |
-$2.1M | $10.5M | $8.0M | $8.8M | 47% |
| Branch Count |
11
0 YoY 0 QoQ |
-9 | 20 | 10 | 18 | 35% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.4% | 23% |
| Nonaccrual |
1.5%
+0.6pp YoY -0.2pp QoQ |
+0.6pp | 0.8% | 0.8% | 1.0% | 85% |
| Allowance Coverage |
0.83x
-34.3% YoY +16.9% QoQ |
-17.88x | 18.71x | 10.47x | 20.23x | 17% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.3% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.0%
+1.0pp YoY -1.0pp QoQ |
+0.4pp | 12.6% | 14.3% | 11.6% | 57% |
| Cost of Funds (YTD) |
2.8%
-0.4pp YoY 0.0pp QoQ |
+0.8pp | 1.9% | 1.8% | 1.7% | 91% |
| Net Income ($, YTD) |
$7.6M
+18.2% YoY — QoQ |
-$11.6M | $19.2M | $11.3M | $40.4M | 28% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.