BlastPoint's Banking Scorecard
Silex Banking Company
Micro
Specialty: Agricultural
MO
FDIC cert 14178
Designations: ✓ Community bank
Silex, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Silex Banking Company has 2 strengths but faces 1 concern
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
- - Non-Interest Income / Assets 0.49% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.4M
-1.1% YoY
-1.0% QoQ
|
-$125.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$61.7M
+14.9% YoY
+2.8% QoQ
|
-$77.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$78.9M
-2.4% YoY
-1.3% QoQ
|
-$104.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.93%
+8.0% YoY
+15.7% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.53%
+9.6% YoY
+5.2% QoQ
|
-0.32% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
62.66%
-4.0% YoY
+0.6% QoQ
|
-5.06% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
60% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-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 ? |
78.25%
+17.8% YoY
+4.1% QoQ
|
+3.72% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
20.41%
+6.1% YoY
+1.1% QoQ
|
-1.99% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
44% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.08%
-1.7% YoY
+38.6% QoQ
|
-0.49% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 5% in tier |
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 (1)
Non-Interest Income / Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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%
60
60th pctile
Efficiency Ratio
Current: 62.66% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.25% · Tier avg: 74.53%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.41% · Tier avg: 22.39%
42
42th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
36
36th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $78.9M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $92.4M · Tier avg: $217.5M
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
5
5th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
20
20th pctile
Total Assets
Current: $92.4M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.9M · Tier avg: $183.7M
25
25th pctile
Total Loans
Current: $61.7M · Tier avg: $139.2M
36
36th pctile
Net Interest Margin
Current: 3.53% · Tier avg: 3.85%
42
42th pctile
Return on Assets
Current: 0.93% · Tier avg: 1.08%
44
44th pctile
Non-Interest-Bearing Deposit Share
Current: 20.41% · Tier avg: 22.39%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.25% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Efficiency Ratio
Current: 62.66% · Tier avg: 67.73%
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%