BlastPoint's Banking Scorecard
America's Community Bank
Designations: ✓ Community bank
Blue Springs, 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 536 banks in the under $100M peer group nationwide — 1 of 16 in MO.
- Deposits +11.3% year over year ($49.5M on the books).
- Delinquency rate 1.34%.
- Return on assets 1.60%.
- Efficiency ratio 58.02% vs a 119.40% peer average.
- Loan-to-deposit ratio 112.36% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
America's Community Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.60% above tier average
- + Net Interest Margin 0.21% above tier average
- + Efficiency Ratio 61.38% below tier average
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 38.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$64.1M
+16.9% YoY
-1.7% QoQ
|
+$1.6M |
$62.4M
-0.0% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$55.6M
+13.1% YoY
-0.2% QoQ
|
+$20.7M |
$34.9M
-0.6% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
82% |
| Total Deposits ? |
$49.5M
+11.3% YoY
-0.4% QoQ
|
-$2.2M |
$51.6M
-0.2% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
44% |
| Return on Assets ? |
1.60%
+1.4% YoY
+5.1% QoQ
|
+0.60% |
1.00%
+3.5% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
4.12%
-9.2% YoY
+2.5% QoQ
|
+0.21% |
3.91%
+2.3% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
62% |
| Efficiency Ratio ? |
58.02%
+0.8% YoY
-1.2% QoQ
|
-61.38% |
119.40%
+49.6% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? | 1.34% | -0.14% |
1.48%
+31.8% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
112.36%
+1.7% YoY
+0.2% QoQ
|
+38.15% |
74.21%
+12.6% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
Bottom 3.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.04%
+14.8% YoY
+43.7% QoQ
|
-0.45% |
23.49%
+0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
1.16%
+1.6% YoY
+32.0% QoQ
|
+0.33% |
0.84%
+23.0% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
8.69%
-7.0% YoY
-5.9% QoQ
|
-18.44% |
27.13%
+3.0% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.9% in tier |
| Non-Interest Income / Assets ? |
0.06%
+90.1% YoY
+77.0% QoQ
|
-1.32% |
1.38%
+6.3% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
23% |
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 |
23.0%
+3.0pp YoY +7.0pp QoQ |
-1.6pp | 24.6% | 20.9% | 22.2% | 47% |
| Brokered Deposits |
21.2%
+0.8pp YoY -1.9pp QoQ |
+11.4pp | 9.8% | 7.4% | 8.5% | 86% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.0%
-1.1pp YoY -0.3pp QoQ |
-8.4pp | 13.4% | 12.3% | 12.5% | 20% |
| CRE |
45.6%
+4.4pp YoY +0.7pp QoQ |
+20.4pp | 25.2% | 36.8% | 41.4% | 88% |
| 1-4 Family |
48.7%
-2.3pp YoY -0.2pp QoQ |
+13.7pp | 35.0% | 31.9% | 31.3% | 71% |
| Consumer |
1.4%
-0.4pp YoY -0.1pp QoQ |
-6.2pp | 7.7% | 4.1% | 5.0% | 16% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 18.5% | 19.7% | n/a |
| Leverage Ratio |
8.7%
-0.7pp YoY -0.5pp QoQ |
-9.0pp | 17.7% | 11.6% | 12.6% | 7% |
| Total Capital Ratio | n/a | n/a | 39.7% | 19.6% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
0 YoY 0 QoQ |
-3 | 12 | 162 | 482 | 36% |
| Assets per Employee ($) |
$7.1M
+16.9% YoY -1.7% QoQ |
+$933K | $6.2M | $8.0M | $8.8M | 68% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 10 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.3% | 0.4% | n/a |
| Nonaccrual | 1.3% | -0.4pp | 1.7% | 0.8% | 1.0% | 64% |
| Allowance Coverage | 1.04x | -5.37x | 6.41x | 10.47x | 20.23x | 44% |
| Net Charge-off Rate (YTD) |
-0.0%
+0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.3% | 0.2% | 29% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
18.0%
+1.6pp YoY +1.0pp QoQ |
+11.6pp | 6.4% | 14.3% | 11.6% | 91% |
| Cost of Funds (YTD) |
2.7%
+0.1pp YoY 0.0pp QoQ |
+1.3pp | 1.4% | 1.8% | 1.7% | 96% |
| Net Income ($, YTD) |
$508,000
+23.3% YoY — QoQ |
+$190K | $317,817 | $11.3M | $40.4M | 75% |
Get Full Access to America's Community Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.