BlastPoint's Banking Scorecard

The Corner Stone Bank

$100M-$1B Specialty: Other MO FDIC cert 9388

South West City, MO

5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 140 in MO.
Deposits +5.9% year over year ($183.4M on the books).
Delinquency rate 1.75%.
Return on assets 1.53%.
Efficiency ratio 59.54% vs a 64.48% peer average.
Loan-to-deposit ratio 91.35% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 140 in MO

View $100M-$1B leaderboard (MO) →

The Corner Stone Bank has 3 strengths but faces 2 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

+ Net Interest Margin 1.61% above tier average
+ ROA 0.21% above tier average
+ Efficiency Ratio 4.94% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 70.0% in tier
- Delinquency Rate 0.83% above tier average

Get updates when The Corner Stone Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$211.4M +7.0% YoY +2.4% QoQ	-$175.1M	$386.6M +1.2% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	29%
Total Loans ?	$167.5M +14.3% YoY +3.1% QoQ	-$90.8M	$258.3M +1.7% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	40%
Total Deposits ?	$183.4M +5.9% YoY +1.2% QoQ	-$143.3M	$326.7M +0.7% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	30%
Return on Assets ?	1.53% -7.9% YoY +13.4% QoQ	+0.21%	1.32% +10.8% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	5.60% +2.9% YoY +0.8% QoQ	+1.61%	3.99% +5.0% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	Top 2.5% in tier
Efficiency Ratio ?	59.54% -9.4% YoY -5.4% QoQ	-4.94%	64.48% -3.2% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	59%
Delinquency Rate ?	1.75% +1.8% YoY -34.5% QoQ	+0.83%	0.92% +15.7% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	15%
Loan-to-Deposit Ratio ?	91.35% +7.9% YoY +1.8% QoQ	+13.39%	77.95% +1.0% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	24%
Non-Interest-Bearing Deposit Share ?	21.40% -6.6% YoY +2.1% QoQ	-0.63%	22.03% -0.6% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	52%
Nonperforming Asset Ratio ?	1.40% +8.5% YoY -36.7% QoQ	+0.73%	0.67% +16.4% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 13.2% in tier
Tier 1 Capital Ratio ?	12.18% -2.7% YoY -0.8% QoQ	-3.73%	15.91% +1.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.33% +6.0% YoY +97.6% QoQ	-0.23%	0.57% +7.6% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	77%

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	21.4% -1.5pp YoY +0.4pp QoQ	-0.7pp	22.1%	20.9%	22.2%	51%
Brokered Deposits	2.0% +0.2pp YoY 0.0pp QoQ	-5.8pp	7.9%	7.4%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	12.0% +0.8pp YoY +0.5pp QoQ	+0.4pp	11.6%	12.3%	12.5%	63%
CRE	19.4% -0.8pp YoY +0.3pp QoQ	-20.2pp	39.5%	36.8%	41.4%	17%
1-4 Family	42.9% +1.2pp YoY -0.2pp QoQ	+10.3pp	32.6%	31.9%	31.3%	74%
Consumer	10.9% -2.0pp YoY -0.7pp QoQ	+6.8pp	4.1%	4.1%	5.0%	93%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	18.5%	19.7%	n/a
Leverage Ratio	12.2% -0.3pp YoY -0.1pp QoQ	0.0pp	12.2%	11.6%	12.6%	67%
Total Capital Ratio	n/a	n/a	19.9%	19.6%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	51 0 YoY 0 QoQ	-8	58	162	482	54%
Assets per Employee ($)	$4.1M +7.0% YoY +2.4% QoQ	-$3.4M	$7.5M	$8.0M	$8.8M	6%
Branch Count	5 0 YoY 0 QoQ	0	4	10	18	55%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.7% +0.1pp YoY -0.7pp QoQ	+0.3pp	0.3%	0.3%	0.4%	87%
Nonaccrual	1.1% 0.0pp YoY -0.2pp QoQ	+0.2pp	0.9%	0.8%	1.0%	73%
Allowance Coverage	0.98x -5.9% YoY +43.0% QoQ	-23.18x	24.15x	10.47x	20.23x	26%
Net Charge-off Rate (YTD)	0.9% +0.8pp YoY +0.6pp QoQ	+0.7pp	0.1%	0.3%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	12.8% -1.2pp YoY +1.5pp QoQ	+0.6pp	12.2%	14.3%	11.6%	55%
Cost of Funds (YTD)	2.1% -0.1pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.8%	1.7%	78%
Net Income ($, YTD)	$1.6M -1.3% YoY — QoQ	-$971K	$2.6M	$11.3M	$40.4M	44%

Get Full Access to The Corner Stone Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (1)

Margin Compression

decline

#216 of 307 • Bottom 70.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.53%

(Tier: 1.32%, National: 1.30%)

better than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

Net Interest Margin

profitability

Value: 5.60%

Peer Median: 3.99%

#67 of 2643 Top 2.5% in $100M-$1B

597

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.57%

#597 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (3 metrics)

2294

Nonperforming Asset Ratio

credit_quality

Value: 1.40%

Peer Median: 0.67%

#2294 of 2643 Bottom 13.2% in $100M-$1B

2228

Delinquency Rate

credit_quality

Value: 1.75%

Peer Median: 0.92%

#2228 of 2633 Bottom 15.4% in $100M-$1B

2020

Loan-to-Deposit Ratio

liquidity

Value: 91.35%

Peer Median: 77.95%

#2020 of 2643 Bottom 23.6% in $100M-$1B