BlastPoint's Banking Scorecard

America's Community Bank

under $100M Specialty: Commercial MO FDIC cert 8893

Designations: ✓ Community bank

Blue Springs, MO

541 banks in the under $100M peer group nationally 16 in MO

America's Community Bank has 4 strengths but faces 1 concern

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 1.37% below tier average
+ ROA 0.68% above tier average
+ Net Interest Margin 0.16% above tier average
+ Efficiency Ratio 29.60% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 47.92% above tier average

Get updates when America's Community Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$65.2M +26.1% YoY +5.6% QoQ	+$3.1M	$62.2M -0.6% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$55.7M +26.0% YoY -2.1% QoQ	+$21.5M	$34.2M -1.4% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	84%
Total Deposits ?	$49.7M +17.8% YoY +6.8% QoQ	-$2.1M	$51.7M -0.7% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.52% +1.7% YoY -10.0% QoQ	+0.68%	0.84% -2.3% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	78%
Net Interest Margin ?	4.02% -8.8% YoY -12.8% QoQ	+0.16%	3.86% +2.8% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	60%
Efficiency Ratio ?	58.74% -6.9% YoY +6.4% QoQ	-29.60%	88.34% +0.3% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	76%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	112.13% +7.0% YoY -8.3% QoQ	+47.92%	64.22% -0.7% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	Bottom 3.0% in tier
Non-Interest-Bearing Deposit Share ?	16.04% -25.7% YoY -6.5% QoQ	-7.68%	23.71% +0.3% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	27%
Nonperforming Asset Ratio ?	0.88% -22.6% YoY -10.0% QoQ	+0.09%	0.79% +28.2% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	26%
Tier 1 Capital Ratio ?	9.23% -6.9% YoY -0.9% QoQ	-17.46%	26.68% +2.0% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 2.4% in tier
Non-Interest Income / Assets ?	0.04% +65.8% YoY -27.4% QoQ	-0.63%	0.67% +1.9% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	27%

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Total Loans

size

Value: $55.71M

Peer Median: $34.25M

#87 of 541 Top 15.9% in under $100M

118

Return on Assets

profitability

Value: 1.52%

Peer Median: 0.84%

#118 of 541 Top 21.6% in under $100M

129

Efficiency Ratio

profitability

Value: 58.74%

Peer Median: 88.34%

#129 of 541 Top 23.7% in under $100M

Top Weaknesses (2 metrics)

529

Tier 1 Capital Ratio

capital

Value: 9.23%

Peer Median: 26.68%

#529 of 541 Bottom 2.4% in under $100M

526

Loan-to-Deposit Ratio

liquidity

Value: 112.13%

Peer Median: 64.22%

#526 of 541 Bottom 3.0% in under $100M