BlastPoint's Banking Scorecard
Wood & Huston Bank
Community
Specialty: Commercial
MO
FDIC cert 1060
Marshall, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Wood & Huston Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 16% in Community
- + Profitability Leader: Top 17% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Community
- - Credit Quality Pressure: Bottom 8% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+2.2% YoY
+6.7% QoQ
|
-$102.9M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$950.4M
+3.4% YoY
+2.3% QoQ
|
-$25.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$1.2B
+0.9% YoY
+9.2% QoQ
|
-$7.3M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.86%
+39.0% YoY
-3.4% QoQ
|
+0.70% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
3.64%
+18.3% YoY
+1.1% QoQ
|
-0.03% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
53.81%
-9.7% YoY
+3.4% QoQ
|
-8.82% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.09%
+91.6% YoY
+18.6% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
82.12%
+2.5% YoY
-6.3% QoQ
|
-0.94% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
14.49%
+4.3% YoY
-2.8% QoQ
|
-6.56% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.07%
+70.0% YoY
-1.4% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
12.61%
+5.5% YoY
-6.1% QoQ
|
+2.37% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.68%
-0.0% YoY
+25.5% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#61 of 371 · Top 16% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#63 of 371 · Top 17% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.86%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#50 of 642 · Bottom 8% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Credit Quality Pressure
risk
#66 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.09%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
75
75th pctile
Efficiency Ratio
Current: 53.81% · Tier avg: 62.63%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
66
66th pctile
Total Loans
Current: $950.4M · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
53
53th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 10.24%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
43
43th pctile
Loan-to-Deposit Ratio
Current: 82.12% · Tier avg: 83.06%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.49% · Tier avg: 21.05%
Top Weaknesses
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.49% · Tier avg: 21.05%
43
43th pctile
Loan-to-Deposit Ratio
Current: 82.12% · Tier avg: 83.06%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.61% · Tier avg: 10.24%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Total Loans
Current: $950.4M · Tier avg: $975.5M
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
75
75th pctile
Efficiency Ratio
Current: 53.81% · Tier avg: 62.63%
83
83th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
88
88th pctile
Return on Assets
Current: 1.86% · Tier avg: 1.16%