BlastPoint's Banking Scorecard

The Bank of Advance

$100M-$1B Specialty: Commercial MO FDIC cert 9369

Advance, MO

7 branches across MO · IL

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

The Bank of Advance has 4 strengths but faces 3 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

+ Profitability Leader: Top 35.0% in tier
+ Net Interest Margin 0.81% above tier average
+ Efficiency Ratio 18.15% below tier average
+ Delinquency Rate 0.18% below tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 12.5% in tier
- Liquidity Strain: Bottom 14.5% in tier
- Credit Quality Pressure: Bottom 37.8% 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 ?	$510.5M +3.7% YoY -3.0% QoQ	+$124.4M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$396.3M +3.7% YoY +0.2% QoQ	+$140.6M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	79%
Total Deposits ?	$440.2M +3.1% YoY -4.0% QoQ	+$112.2M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	74%
Return on Assets ?	2.39% +7.6% YoY +7.5% QoQ	+1.12%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	Top 5.8% in tier
Net Interest Margin ?	4.74% +6.5% YoY +2.4% QoQ	+0.81%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 12.4% in tier
Efficiency Ratio ?	47.14% -6.0% YoY -5.8% QoQ	-18.15%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	Top 11.5% in tier
Delinquency Rate ?	0.71% +25.7% YoY -56.7% QoQ	-0.18%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	36%
Loan-to-Deposit Ratio ?	90.02% +0.6% YoY +4.4% QoQ	+13.38%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	16.44% +3.6% YoY -2.0% QoQ	-5.58%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.70% +32.4% YoY -48.0% QoQ	+0.07%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	12.52% +0.7% YoY +3.1% QoQ	-3.31%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	41%
Non-Interest Income / Assets ?	0.14% -1.5% YoY -75.2% QoQ	-0.14%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	71%

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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 (1)

Profitability Leader

growth

#234 of 666 • Top 35.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.39%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (3)

Credit Risk Growth

risk

#123 of 973 • Bottom 12.5% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#94 of 643 • Bottom 14.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.02%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Credit Quality Pressure

risk

#495 of 1308 • Bottom 37.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.71%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 (4 metrics)

156

Return on Assets

profitability

Value: 2.39%

Peer Median: 1.27%

#156 of 2664 Top 5.8% in $100M-$1B

307

Efficiency Ratio

profitability

Value: 47.14%

Peer Median: 65.29%

#307 of 2664 Top 11.5% in $100M-$1B

331

Net Interest Margin

profitability

Value: 4.74%

Peer Median: 3.93%

#331 of 2664 Top 12.4% in $100M-$1B

556

Total Loans

size

Value: $396.27M

Peer Median: $255.72M

#556 of 2664 Top 20.8% in $100M-$1B

Top Weaknesses (1 metrics)

2022

Loan-to-Deposit Ratio

liquidity

Value: 90.02%

Peer Median: 76.64%

#2022 of 2664 Bottom 24.1% in $100M-$1B