BlastPoint's Banking Scorecard
First Bank
Mid-Market
Specialty: Commercial
MO
FDIC cert 12229
St. Louis, MO
201
banks in Mid-Market tier nationally
7 in MO
View Mid-Market leaderboard (MO) →
First Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 39% in Mid-Market
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 14% in Mid-Market
- - Efficiency Ratio 22.66% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$6.7B
+0.3% YoY
+1.3% QoQ
|
-$3.8B |
$10.5B
+2.9% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$4.0B
+6.1% YoY
-0.4% QoQ
|
-$3.1B |
$7.1B
+4.5% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$6.0B
+0.7% YoY
+1.2% QoQ
|
-$2.6B |
$8.5B
+3.0% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.51%
+84.9% YoY
+10.1% QoQ
|
-0.65% |
1.16%
+9.4% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
2.92%
+18.3% YoY
+1.8% QoQ
|
-0.47% |
3.40%
+7.9% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
79.27%
-9.0% YoY
-1.7% QoQ
|
+22.66% |
56.60%
-3.2% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
0.24%
-14.2% YoY
-37.4% QoQ
|
-0.44% |
0.68%
+12.0% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
66.78%
+5.4% YoY
-1.6% QoQ
|
-18.70% |
85.47%
+1.1% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.59%
-0.5% YoY
-5.6% QoQ
|
+2.95% |
20.64%
-0.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.15%
-7.3% YoY
-37.2% QoQ
|
-0.35% |
0.50%
+7.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
13.19%
+0.8% YoY
+1.3% QoQ
|
-0.36% |
13.55%
+1.8% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.74%
-8.1% YoY
+30.2% QoQ
|
-0.21% |
0.96%
+7.1% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#20 of 50 · Top 39% in Mid-Market
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.24%
(Tier: 0.68%, National: 0.66%)
50 of 50 Mid-Market banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (2)
Flatlined Growth
risk
#7 of 44 · Bottom 14% in Mid-Market
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.51%
(Tier: 1.16%, National: 1.12%)
44 of 44 Mid-Market banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Bottom 5%
in Mid-Market
Why this stands out
Current:
79.27%
(Tier avg: 56.60%, National avg: 65.09%)
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 66.78% · Tier avg: 85.47%
81
81th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.68%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 23.59% · Tier avg: 20.64%
60
60th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.96%
55
55th pctile
Tier 1 Capital Ratio
Current: 13.19% · Tier avg: 13.55%
38
38th pctile
Total Deposits
Current: $6.0B · Tier avg: $8.5B
28
28th pctile
Total Assets
Current: $6.7B · Tier avg: $10.5B
25
25th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.40%
16
16th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
13
13th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
5
5th pctile
Efficiency Ratio
Current: 79.27% · Tier avg: 56.60%
Top Weaknesses
5
5th pctile
Efficiency Ratio
Current: 79.27% · Tier avg: 56.60%
13
13th pctile
Return on Assets
Current: 0.51% · Tier avg: 1.16%
16
16th pctile
Total Loans
Current: $4.0B · Tier avg: $7.1B
25
25th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.40%
28
28th pctile
Total Assets
Current: $6.7B · Tier avg: $10.5B
38
38th pctile
Total Deposits
Current: $6.0B · Tier avg: $8.5B
55
55th pctile
Tier 1 Capital Ratio
Current: 13.19% · Tier avg: 13.55%
60
60th pctile
Non-Interest Income / Assets
Current: 0.74% · Tier avg: 0.96%
62
62th pctile
Non-Interest-Bearing Deposit Share
Current: 23.59% · Tier avg: 20.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.24% · Tier avg: 0.68%
90
90th pctile
Loan-to-Deposit Ratio
Current: 66.78% · Tier avg: 85.47%