BlastPoint's Banking Scorecard
Commercial Trust Company of Fayette
Fayette, MO
2 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 +5.7% year over year ($145.2M on the books).
- Delinquency rate 0.37%.
- Return on assets 1.47%.
- Efficiency ratio 69.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.37% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Commercial Trust Company of Fayette has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30.9% in tier
- + ROA 0.15% above tier average
- + Delinquency Rate 0.55% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
- - Efficiency Ratio 5.25% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$163.8M
+5.3% YoY
+0.9% QoQ
|
-$222.8M |
$386.6M
+1.2% YoY
|
$1.6B
+6.4% YoY
|
$6.3B
+7.7% YoY
|
18% |
| Total Loans ? |
$109.4M
+2.8% YoY
+2.7% QoQ
|
-$148.9M |
$258.3M
+1.7% YoY
|
$1.0B
+10.0% YoY
|
$3.2B
+9.4% YoY
|
22% |
| Total Deposits ? |
$145.2M
+5.7% YoY
+0.7% QoQ
|
-$181.6M |
$326.7M
+0.7% YoY
|
$1.3B
+6.1% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.47%
+21.6% YoY
-12.4% QoQ
|
+0.15% |
1.32%
+10.8% YoY
|
1.46%
+5.9% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
3.78%
+3.8% YoY
+0.1% QoQ
|
-0.20% |
3.99%
+5.0% YoY
|
4.55%
+0.7% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
69.73%
-5.4% YoY
+1.3% QoQ
|
+5.25% |
64.48%
-3.2% YoY
|
59.57%
-3.2% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.37%
-23.2% YoY
-18.8% QoQ
|
-0.55% |
0.92%
+15.7% YoY
|
0.82%
+12.6% YoY
|
0.98%
+16.3% YoY
|
53% |
| Loan-to-Deposit Ratio ? |
75.37%
-2.8% YoY
+1.9% QoQ
|
-2.59% |
77.95%
+1.0% YoY
|
80.82%
+1.6% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
16.83%
+9.9% YoY
-1.6% QoQ
|
-5.20% |
22.03%
-0.6% YoY
|
20.71%
-0.5% YoY
|
21.98%
-0.6% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.24%
-25.1% YoY
-17.4% QoQ
|
-0.42% |
0.67%
+16.4% YoY
|
0.67%
+14.9% YoY
|
0.69%
+15.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
10.41%
-2.6% YoY
+0.9% QoQ
|
-5.50% |
15.91%
+1.4% YoY
|
15.38%
-1.1% YoY
|
17.09%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.60%
+27.4% YoY
+76.8% QoQ
|
+0.03% |
0.57%
+7.6% YoY
|
0.58%
+5.8% YoY
|
0.66%
+5.2% YoY
|
Top 6.9% in tier |
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 |
16.8%
+1.5pp YoY -0.3pp QoQ |
-5.3pp | 22.1% | 20.9% | 22.2% | 32% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.4% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
1.7%
-0.9pp YoY -0.5pp QoQ |
-9.8pp | 11.6% | 12.3% | 12.5% | 5% |
| CRE |
14.9%
+1.5pp YoY +0.6pp QoQ |
-24.6pp | 39.5% | 36.8% | 41.4% | 11% |
| 1-4 Family |
63.4%
+1.8pp YoY +0.3pp QoQ |
+30.7pp | 32.6% | 31.9% | 31.3% | 92% |
| Consumer |
7.3%
-2.0pp YoY -0.4pp QoQ |
+3.2pp | 4.1% | 4.1% | 5.0% | 86% |
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 |
10.4%
-0.3pp YoY +0.1pp QoQ |
-1.8pp | 12.2% | 11.6% | 12.6% | 39% |
| 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 |
29
0 YoY -1 (-3.3%) QoQ |
-30 | 58 | 162 | 482 | 25% |
| Assets per Employee ($) |
$5.6M
+5.3% YoY +4.3% QoQ |
-$1.9M | $7.5M | $8.0M | $8.8M | 26% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 10 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.3% | 0.4% | n/a |
| Nonaccrual |
0.4%
0.0pp YoY 0.0pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 44% |
| Allowance Coverage |
2.50x
+15.7% YoY +25.0% QoQ |
-21.66x | 24.15x | 10.47x | 20.23x | 54% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.3% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.4%
+2.6pp YoY -1.9pp QoQ |
+2.2pp | 12.2% | 14.3% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 59% |
| Net Income ($, YTD) |
$1.2M
+25.3% YoY — QoQ |
-$1.4M | $2.6M | $11.3M | $40.4M | 32% |
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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)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.