BlastPoint's Banking Scorecard
St. Clair County State Bank
Micro
Specialty: Agricultural
MO
FDIC cert 11002
Designations: ✓ Community bank
Osceola, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
St. Clair County State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.39% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$216.0M
+1.5% YoY
+0.9% QoQ
|
-$1.5M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
55% |
| Total Loans ? |
$157.7M
+7.6% YoY
+2.2% QoQ
|
+$18.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$185.2M
+0.5% YoY
+0.8% QoQ
|
+$1.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
1.77%
-12.6% YoY
+1.5% QoQ
|
+0.68% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
4.31%
+4.2% YoY
+0.6% QoQ
|
+0.46% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
72% |
| Efficiency Ratio ? |
43.33%
-4.8% YoY
-1.3% QoQ
|
-24.39% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
1.36%
+336.7% YoY
+6.2% QoQ
|
+0.72% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
85.14%
+7.1% YoY
+1.5% QoQ
|
+10.62% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
20.06%
-0.3% YoY
-10.6% QoQ
|
-2.33% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.99%
+362.8% YoY
+7.6% QoQ
|
+0.54% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-73.5% YoY
+35.7% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.33%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
96
96th pctile
Efficiency Ratio
Current: 43.33% · Tier avg: 67.73%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
63
63th pctile
Total Loans
Current: $157.7M · Tier avg: $139.2M
56
56th pctile
Total Deposits
Current: $185.2M · Tier avg: $183.7M
55
55th pctile
Total Assets
Current: $216.0M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 22.39%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.14% · Tier avg: 74.53%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
21
21th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.64%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.99% · Tier avg: 0.45%
Top Weaknesses
20
20th pctile
Nonperforming Asset Ratio
Current: 0.99% · Tier avg: 0.45%
21
21th pctile
Delinquency Rate
Current: 1.36% · Tier avg: 0.64%
27
27th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
32
32th pctile
Loan-to-Deposit Ratio
Current: 85.14% · Tier avg: 74.53%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.06% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Total Assets
Current: $216.0M · Tier avg: $217.5M
56
56th pctile
Total Deposits
Current: $185.2M · Tier avg: $183.7M
63
63th pctile
Total Loans
Current: $157.7M · Tier avg: $139.2M
72
72th pctile
Net Interest Margin
Current: 4.31% · Tier avg: 3.85%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.33% · Tier avg: 67.73%