BlastPoint's Banking Scorecard
Bloomsdale Bank
Bloomsdale, 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 ($356.8M on the books).
- Delinquency rate 0.31%.
- Return on assets 2.39%.
- Efficiency ratio 44.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.53% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bloomsdale Bank shows strong momentum with 4 strengths and 7.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7.9% in tier
- + Efficiency Ratio 19.55% below tier average
- + Net Interest Margin 0.19% above tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$390.2M
+7.4% YoY
-1.8% QoQ
|
+$3.6M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
60% |
| Total Loans ? |
$276.7M
+12.3% YoY
+6.5% QoQ
|
+$18.3M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$356.8M
+5.9% YoY
-2.5% QoQ
|
+$30.1M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
2.39%
+33.5% YoY
-2.0% QoQ
|
+1.07% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
Top 6.0% in tier |
| Net Interest Margin ? |
4.18%
+10.8% YoY
-0.1% QoQ
|
+0.19% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
64% |
| Efficiency Ratio ? |
44.92%
-7.6% YoY
+0.4% QoQ
|
-19.55% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
Top 9.0% in tier |
| Delinquency Rate ? |
0.31%
-27.1% YoY
+54.6% QoQ
|
-0.61% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
77.53%
+6.1% YoY
+9.2% QoQ
|
-0.42% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
24.02%
-33.9% YoY
+6.6% QoQ
|
+1.99% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.22%
-23.7% YoY
+67.6% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
12.39%
+6.4% YoY
-0.4% QoQ
|
-3.52% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.15%
+7.8% YoY
+74.8% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
35% |
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 |
24.0%
-12.3pp YoY +1.5pp QoQ |
+1.9pp | 22.1% | 20.9% | 22.2% | 62% |
| Brokered Deposits |
0.3%
-1.4pp YoY +0.3pp QoQ |
-7.6pp | 7.9% | 7.4% | 8.5% | 9% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.8%
-0.8pp YoY +0.9pp QoQ |
+0.3pp | 11.6% | 12.3% | 12.5% | 62% |
| CRE |
33.9%
-1.1pp YoY -1.3pp QoQ |
-5.7pp | 39.5% | 36.8% | 41.4% | 41% |
| 1-4 Family |
42.6%
+2.4pp YoY +1.0pp QoQ |
+10.0pp | 32.6% | 31.9% | 31.3% | 74% |
| Consumer |
2.5%
+0.4pp YoY +0.2pp QoQ |
-1.6pp | 4.1% | 4.1% | 5.0% | 54% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
+0.7pp YoY 0.0pp QoQ |
-6.4pp | 18.8% | 18.5% | 19.7% | 21% |
| Leverage Ratio |
8.9%
+0.8pp YoY +0.4pp QoQ |
-3.2pp | 12.2% | 11.6% | 12.6% | 11% |
| Total Capital Ratio |
13.4%
+0.6pp YoY -0.1pp QoQ |
-6.5pp | 19.9% | 19.6% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
+1 (+2.0%) YoY 0 QoQ |
-7 | 58 | 162 | 482 | 56% |
| Assets per Employee ($) |
$7.5M
+5.3% YoY -1.8% QoQ |
-$15K | $7.5M | $8.0M | $8.8M | 61% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 10 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.1pp YoY +0.1pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 39% |
| Allowance Coverage |
3.28x
+19.6% YoY -39.2% QoQ |
-20.87x | 24.15x | 10.47x | 20.23x | 61% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 59% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
30.2%
+3.5pp YoY -1.2pp QoQ |
+18.0pp | 12.2% | 14.3% | 11.6% | 98% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 51% |
| Net Income ($, YTD) |
$4.6M
+42.4% YoY — QoQ |
+$2.1M | $2.6M | $11.3M | $40.4M | 85% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.