BlastPoint's Banking Scorecard
Grand Missouri Bank
Micro
Specialty: Commercial
MO
FDIC cert 11003
Designations: ✓ Community bank
Bolivar, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Grand Missouri Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.24% below tier
- - Loan-to-Deposit Ratio 25.33% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$135.1M
+8.6% YoY
+2.1% QoQ
|
-$82.4M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$111.8M
+13.6% YoY
+5.3% QoQ
|
-$27.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$111.9M
+12.0% YoY
+4.3% QoQ
|
-$71.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
-0.16%
-171.4% YoY
+65.1% QoQ
|
-1.24% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
3.25%
-17.2% YoY
+22.0% QoQ
|
-0.61% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
24% |
| Efficiency Ratio ? |
63.01%
-28.0% YoY
+3.4% QoQ
|
-4.71% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.26%
+45.7% YoY
+93.3% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
99.86%
+1.4% YoY
+0.9% QoQ
|
+25.33% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.55%
+9.7% YoY
-5.0% QoQ
|
-3.84% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.22%
+52.4% YoY
+99.2% QoQ
|
-0.24% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
55% |
| 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 ? |
0.20%
-65.5% YoY
+41.3% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Loan-to-Deposit Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
99.86%
(Tier avg: 74.53%, National avg: 78.04%)
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
58
58th pctile
Efficiency Ratio
Current: 63.01% · Tier avg: 67.73%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Total Loans
Current: $111.8M · Tier avg: $139.2M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
33
33th pctile
Total Assets
Current: $135.1M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $111.9M · Tier avg: $183.7M
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.86% · Tier avg: 74.53%
5
5th pctile
Return on Assets
Current: -0.16% · Tier avg: 1.08%
Top Weaknesses
5
5th pctile
Return on Assets
Current: -0.16% · Tier avg: 1.08%
9
9th pctile
Loan-to-Deposit Ratio
Current: 99.86% · Tier avg: 74.53%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
24
24th pctile
Net Interest Margin
Current: 3.25% · Tier avg: 3.85%
33
33th pctile
Total Deposits
Current: $111.9M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $135.1M · Tier avg: $217.5M
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
47
47th pctile
Total Loans
Current: $111.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.22% · Tier avg: 0.45%
57
57th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
58
58th pctile
Efficiency Ratio
Current: 63.01% · Tier avg: 67.73%