BlastPoint's Banking Scorecard
FMB Bank
Micro
Specialty: Other
MO
FDIC cert 12225
Designations: ✓ Community bank
Wright City, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
FMB 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
- - Efficiency Ratio 26.10% above tier
- - Loan-to-Deposit Ratio 39.26% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.9M
-2.7% YoY
-4.4% QoQ
|
-$176.6M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$13.1M
-3.0% YoY
-7.4% QoQ
|
-$126.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$37.2M
-5.0% YoY
-4.9% QoQ
|
-$146.4M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
0.52%
-16.5% QoQ
|
-0.57% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.60%
+23.4% YoY
+0.5% QoQ
|
-0.26% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
93.83%
-9.0% YoY
+2.6% QoQ
|
+26.10% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 7% in tier |
| Delinquency Rate ? |
0.02%
-79.4% YoY
+8.0% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
35.26%
+2.2% YoY
-2.6% QoQ
|
-39.26% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.44%
+11.1% YoY
-2.1% QoQ
|
+11.05% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-79.4% YoY
+4.6% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
14.90%
+5.5% YoY
+5.5% QoQ
|
+6.05% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.83%
+21.5% YoY
+44.8% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Efficiency Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
93.83%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
35.26%
(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
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.44% · Tier avg: 22.39%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
7
7th pctile
Efficiency Ratio
Current: 93.83% · Tier avg: 67.73%
6
6th pctile
Total Deposits
Current: $37.2M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $40.9M · Tier avg: $217.5M
4
4th pctile
Total Loans
Current: $13.1M · Tier avg: $139.2M
4
4th pctile
Loan-to-Deposit Ratio
Current: 35.26% · Tier avg: 74.53%
Top Weaknesses
4
4th pctile
Loan-to-Deposit Ratio
Current: 35.26% · Tier avg: 74.53%
4
4th pctile
Total Loans
Current: $13.1M · Tier avg: $139.2M
5
5th pctile
Total Assets
Current: $40.9M · Tier avg: $217.5M
6
6th pctile
Total Deposits
Current: $37.2M · Tier avg: $183.7M
7
7th pctile
Efficiency Ratio
Current: 93.83% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
39
39th pctile
Net Interest Margin
Current: 3.60% · Tier avg: 3.85%
72
72th pctile
Tier 1 Capital Ratio
Current: 14.90% · Tier avg: 8.85%
79
79th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.44% · Tier avg: 22.39%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%