BlastPoint's Banking Scorecard
The Corner Stone Bank
South West City, MO
5 branches across MO
The Corner Stone Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.63% above tier average
- + ROA 0.08% above tier average
- + Efficiency Ratio 2.36% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 16.1% in tier
- - Delinquency Rate 1.79% above tier average
- - Nonperforming Asset Ratio 1.57% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$206.5M
+7.3% YoY
+1.8% QoQ
|
-$179.6M |
$386.1M
+0.5% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
28% |
| Total Loans ? |
$162.5M
+13.9% YoY
+2.3% QoQ
|
-$93.2M |
$255.7M
+1.1% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$181.2M
+7.4% YoY
+2.9% QoQ
|
-$146.8M |
$328.0M
+0.1% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
1.35%
-30.8% YoY
-9.9% QoQ
|
+0.08% |
1.27%
+12.9% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
5.56%
+3.8% YoY
+0.3% QoQ
|
+1.63% |
3.93%
+6.0% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 2.6% in tier |
| Efficiency Ratio ? |
62.92%
+0.9% YoY
-5.2% QoQ
|
-2.36% |
65.29%
-4.5% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
51% |
| Delinquency Rate ? |
2.68%
+56.8% YoY
+100.2% QoQ
|
+1.79% |
0.89%
+18.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.2% in tier |
| Loan-to-Deposit Ratio ? |
89.69%
+6.0% YoY
-0.6% QoQ
|
+13.06% |
76.64%
+0.8% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
20.96%
-8.8% YoY
-3.7% QoQ
|
-1.06% |
22.02%
-1.0% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
2.21%
+73.2% YoY
+109.1% QoQ
|
+1.57% |
0.64%
+19.7% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.3% in tier |
| Tier 1 Capital Ratio ? |
12.27%
-36.2% YoY
+0.2% QoQ
|
-3.56% |
15.83%
+1.5% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.17%
+14.1% YoY
-74.4% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
79% |
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
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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.