BlastPoint's Banking Scorecard
Community Bank and Trust
Micro
Specialty: Agricultural
MO
FDIC cert 13068
Designations: ✓ Community bank
Neosho, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Bank and Trust shows strong momentum with 2 strengths and 5.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 16.32% above tier
- + Non-Interest Income / Assets 0.62% above 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 ? |
$432.8M
+5.6% YoY
-1.1% QoQ
|
+$215.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$198.8M
+12.1% YoY
+2.6% QoQ
|
+$59.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$376.3M
+3.0% YoY
-0.9% QoQ
|
+$192.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
1.12%
+6.4% YoY
+0.9% QoQ
|
+0.03% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
3.48%
+6.3% YoY
+1.4% QoQ
|
-0.37% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
74.48%
-1.3% YoY
+0.1% QoQ
|
+6.76% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.03%
-49.3% YoY
-14.5% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
52.84%
+8.9% YoY
+3.5% QoQ
|
-21.69% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
30.17%
-1.6% YoY
-0.8% QoQ
|
+7.78% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.01%
-46.2% YoY
-11.3% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
25.17%
-3.7% YoY
+0.2% QoQ
|
+16.32% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
1.18%
-7.0% YoY
+35.0% QoQ
|
+0.62% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.17%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.18%
(Tier avg: 0.56%, National avg: 0.65%)
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.56%
94
94th pctile
Total Deposits
Current: $376.3M · Tier avg: $183.7M
93
93th pctile
Tier 1 Capital Ratio
Current: 25.17% · Tier avg: 8.85%
92
92th pctile
Total Assets
Current: $432.8M · Tier avg: $217.5M
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.84% · Tier avg: 74.53%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.17% · Tier avg: 22.39%
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
74
74th pctile
Total Loans
Current: $198.8M · Tier avg: $139.2M
53
53th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
29
29th pctile
Efficiency Ratio
Current: 74.48% · Tier avg: 67.73%
Top Weaknesses
29
29th pctile
Efficiency Ratio
Current: 74.48% · Tier avg: 67.73%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
53
53th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.08%
74
74th pctile
Total Loans
Current: $198.8M · Tier avg: $139.2M
79
79th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
80
80th pctile
Non-Interest-Bearing Deposit Share
Current: 30.17% · Tier avg: 22.39%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.84% · Tier avg: 74.53%
92
92th pctile
Total Assets
Current: $432.8M · Tier avg: $217.5M
93
93th pctile
Tier 1 Capital Ratio
Current: 25.17% · Tier avg: 8.85%
94
94th pctile
Total Deposits
Current: $376.3M · Tier avg: $183.7M
94
94th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.56%