BlastPoint's Banking Scorecard
County Bank
Micro
Specialty: Other
MO
FDIC cert 12220
Designations: ✓ Community bank
Brunswick, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
County Bank shows strong momentum with 2 strengths and 8.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$133.6M
+8.3% YoY
+4.7% QoQ
|
-$83.9M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$96.8M
+14.8% YoY
+10.4% QoQ
|
-$42.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$115.2M
+6.4% YoY
-1.4% QoQ
|
-$68.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.89%
+23.9% YoY
+3.1% QoQ
|
+0.81% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 12% in tier |
| Net Interest Margin ? |
4.61%
+3.7% YoY
+0.4% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
61.67%
-9.7% YoY
-1.4% QoQ
|
-6.05% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
84.05%
+7.9% YoY
+11.9% QoQ
|
+9.53% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
33.51%
-3.5% YoY
-1.6% QoQ
|
+11.12% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.95%
-6.0% YoY
-8.6% QoQ
|
+4.10% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.65%
-12.3% YoY
+30.2% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
80% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.51% · Tier avg: 22.39%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.95% · Tier avg: 8.85%
62
62th pctile
Efficiency Ratio
Current: 61.67% · Tier avg: 67.73%
42
42th pctile
Total Loans
Current: $96.8M · Tier avg: $139.2M
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.05% · Tier avg: 74.53%
34
34th pctile
Total Deposits
Current: $115.2M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $133.6M · Tier avg: $217.5M
Top Weaknesses
32
32th pctile
Total Assets
Current: $133.6M · Tier avg: $217.5M
34
34th pctile
Total Deposits
Current: $115.2M · Tier avg: $183.7M
34
34th pctile
Loan-to-Deposit Ratio
Current: 84.05% · Tier avg: 74.53%
42
42th pctile
Total Loans
Current: $96.8M · Tier avg: $139.2M
62
62th pctile
Efficiency Ratio
Current: 61.67% · Tier avg: 67.73%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.95% · Tier avg: 8.85%
80
80th pctile
Non-Interest Income / Assets
Current: 0.65% · Tier avg: 0.56%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.51% · Tier avg: 22.39%
88
88th pctile
Return on Assets
Current: 1.89% · Tier avg: 1.08%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%