BlastPoint's Banking Scorecard
The Missouri Bank
Community
Specialty: Commercial
MO
FDIC cert 14036
Warrenton, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
The Missouri Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 13% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$502.0M
+7.2% YoY
+7.0% QoQ
|
-$889.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$315.9M
+15.1% YoY
+4.8% QoQ
|
-$659.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$446.0M
+6.3% YoY
+7.8% QoQ
|
-$718.6M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.64%
+8.2% YoY
-9.1% QoQ
|
+0.47% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
3.76%
+10.4% YoY
+0.5% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
53.43%
+0.5% YoY
+9.6% QoQ
|
-9.21% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
76% |
| Delinquency Rate ? |
0.10%
+141.7% YoY
+0.6% QoQ
|
-0.52% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
70.81%
+8.3% YoY
-2.8% QoQ
|
-12.25% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
24.50%
-0.4% YoY
-9.5% QoQ
|
+3.45% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
67% |
| Nonperforming Asset Ratio ? |
0.07%
+159.6% YoY
-1.5% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.35%
+22.2% YoY
+25.5% QoQ
|
-0.39% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#30 of 371 · Top 8% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Concerns (1)
Credit Quality Pressure
risk
#109 of 808 · Bottom 13% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.10%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
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
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.81% · Tier avg: 83.06%
76
76th pctile
Efficiency Ratio
Current: 53.43% · Tier avg: 62.63%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.50% · Tier avg: 21.05%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
6
6th pctile
Total Loans
Current: $315.9M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $446.0M · Tier avg: $1.2B
0
0th pctile
Total Assets
Current: $502.0M · Tier avg: $1.4B
Top Weaknesses
0
0th pctile
Total Assets
Current: $502.0M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $446.0M · Tier avg: $1.2B
6
6th pctile
Total Loans
Current: $315.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.74%
57
57th pctile
Net Interest Margin
Current: 3.76% · Tier avg: 3.66%
67
67th pctile
Non-Interest-Bearing Deposit Share
Current: 24.50% · Tier avg: 21.05%
76
76th pctile
Efficiency Ratio
Current: 53.43% · Tier avg: 62.63%
79
79th pctile
Loan-to-Deposit Ratio
Current: 70.81% · Tier avg: 83.06%
80
80th pctile
Return on Assets
Current: 1.64% · Tier avg: 1.16%
81
81th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.63%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%