BlastPoint's Banking Scorecard

Commercial Trust Company of Fayette

$100M-$1B Specialty: Other MO FDIC cert 9791

Fayette, MO

2 branches across MO

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

Commercial Trust Company of Fayette has 3 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

+ Revenue Diversifier: Top 17.6% in tier
+ Profitability Leader: Top 26.4% in tier
+ Delinquency Rate 0.44% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 31.2% in tier
- Net Interest Margin 0.15% below tier average
- Efficiency Ratio 3.58% above tier average

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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 ?	$162.4M +2.9% YoY +8.1% QoQ	-$223.7M	$386.1M +0.5% YoY	$1.6B +6.5% YoY	$6.2B +9.1% YoY	18%
Total Loans ?	$106.5M +3.7% YoY +1.0% QoQ	-$149.2M	$255.7M +1.1% YoY	$1.0B +8.5% YoY	$3.2B +10.8% YoY	22%
Total Deposits ?	$144.1M +2.9% YoY +9.1% QoQ	-$183.9M	$328.0M +0.1% YoY	$1.3B +6.1% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.68% +71.5% YoY +23.5% QoQ	+0.41%	1.27% +12.9% YoY	1.43% +10.8% YoY	1.23% +13.4% YoY	77%
Net Interest Margin ?	3.78% +7.1% YoY +2.2% QoQ	-0.15%	3.93% +6.0% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	68.87% -11.3% YoY -3.8% QoQ	+3.58%	65.29% -4.5% YoY	59.97% -5.2% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.45% -5.7% YoY -1.4% QoQ	-0.44%	0.89% +18.8% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	48%
Loan-to-Deposit Ratio ?	73.94% +0.7% YoY -7.4% QoQ	-2.70%	76.64% +0.8% YoY	79.48% +1.6% YoY	76.70% +0.9% YoY	59%
Non-Interest-Bearing Deposit Share ?	17.10% +10.1% YoY -6.2% QoQ	-4.92%	22.02% -1.0% YoY	20.72% +0.3% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.30% -5.0% YoY -7.9% QoQ	-0.34%	0.64% +19.7% YoY	0.67% +20.5% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	10.31% -1.7% YoY -3.4% QoQ	-5.52%	15.83% +1.5% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	Bottom 13.7% in tier
Non-Interest Income / Assets ?	0.34% +51.5% YoY -66.2% QoQ	+0.06%	0.28% +9.3% YoY	0.29% +5.6% YoY	0.32% +4.1% YoY	Top 5.9% in tier

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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 (2)

Revenue Diversifier

growth

#118 of 666 • Top 17.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.34%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.68%

(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

Profitability Leader

growth

#177 of 666 • Top 26.4% in tier

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

Why this signature

Return on Assets: 1.68%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Thin

risk

#209 of 666 • Bottom 31.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.31%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

158

Non-Interest Income / Assets

revenue_mix

Value: 0.34%

Peer Median: 0.28%

#158 of 2664 Top 5.9% in $100M-$1B

621

Return on Assets

profitability

Value: 1.68%

Peer Median: 1.27%

#621 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (4 metrics)

2301

Tier 1 Capital Ratio

capital

Value: 10.31%

Peer Median: 15.83%

#2301 of 2664 Bottom 13.7% in $100M-$1B

2197

Total Assets

size

Value: $162.38M

Peer Median: $386.08M

#2197 of 2664 Bottom 17.6% in $100M-$1B

2147

Total Deposits

size

Value: $144.11M

Peer Median: $327.97M

#2147 of 2664 Bottom 19.4% in $100M-$1B

2088

Total Loans

size

Value: $106.55M

Peer Median: $255.72M

#2088 of 2664 Bottom 21.7% in $100M-$1B