BlastPoint's Banking Scorecard
Cass Commercial Bank
Community
Specialty: Commercial
MO
FDIC cert 1068
Des Peres, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Cass Commercial Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 7% in Community
- + Efficiency Ratio 25.47% below tier
- + Non-Interest-Bearing Deposit Share 21.08% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 41% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+0.3% YoY
+8.8% QoQ
|
+$47.1M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$1.0B
-1.4% YoY
-1.6% QoQ
|
+$24.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$1.2B
-0.5% YoY
+10.6% QoQ
|
+$59.4M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
2.15%
+33.3% YoY
-1.3% QoQ
|
+0.99% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.01%
+15.1% YoY
-1.0% QoQ
|
+0.35% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
37.16%
-19.2% YoY
+0.8% QoQ
|
-25.47% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.70%
+0.4% QoQ
|
+0.07% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
81.73%
-0.9% YoY
-11.0% QoQ
|
-1.34% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
42.12%
+11.7% YoY
+12.5% QoQ
|
+21.08% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-9.1% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
18.40%
+11.1% YoY
-0.0% QoQ
|
+8.16% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 10% in tier |
| Non-Interest Income / Assets ? |
0.60%
-6.8% YoY
+23.6% QoQ
|
-0.14% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#27 of 371 · Top 7% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.15%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 3%
in Community
Why this stands out
Current:
37.16%
(Tier avg: 62.63%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Community
Why this stands out
Current:
42.12%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Liquidity Overhang
risk
#111 of 268 · Bottom 41% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
18.40%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
81.73%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 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
97
97th pctile
Efficiency Ratio
Current: 37.16% · Tier avg: 62.63%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 42.12% · Tier avg: 21.05%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.16%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.40% · Tier avg: 10.24%
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.73% · Tier avg: 83.06%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
36
36th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
Top Weaknesses
36
36th pctile
Delinquency Rate
Current: 0.70% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.50%
59
59th pctile
Loan-to-Deposit Ratio
Current: 81.73% · Tier avg: 83.06%
60
60th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.74%
68
68th pctile
Total Assets
Current: $1.4B · Tier avg: $1.4B
68
68th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
69
69th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
71
71th pctile
Net Interest Margin
Current: 4.01% · Tier avg: 3.66%
90
90th pctile
Tier 1 Capital Ratio
Current: 18.40% · Tier avg: 10.24%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.16%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 42.12% · Tier avg: 21.05%
97
97th pctile
Efficiency Ratio
Current: 37.16% · Tier avg: 62.63%