BlastPoint's Banking Scorecard
New Era Bank
Micro
Specialty: Commercial
MO
FDIC cert 14546
Designations: ✓ Community bank
Fredericktown, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
New Era Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.32% above tier
- + Efficiency Ratio 26.52% below tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 18.57% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$438.6M
+3.1% YoY
-0.3% QoQ
|
+$221.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$251.9M
-3.2% YoY
+2.1% QoQ
|
+$112.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$374.3M
+1.8% YoY
-0.7% QoQ
|
+$190.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 6% in tier |
| Return on Assets ? |
2.41%
+21.4% YoY
+4.2% QoQ
|
+1.32% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 4% in tier |
| Net Interest Margin ? |
4.09%
+11.3% YoY
+1.5% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
41.21%
-14.0% YoY
+0.7% QoQ
|
-26.52% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.79%
-1.5% YoY
-1.0% QoQ
|
+0.15% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
67.30%
-4.9% YoY
+2.8% QoQ
|
-7.23% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
3.82%
+14.3% YoY
-1.1% QoQ
|
-18.57% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 4% in tier |
| Nonperforming Asset Ratio ? |
0.45%
-9.3% YoY
+1.3% QoQ
|
0 |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
40% |
| 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 ? |
0.75%
+9.7% YoY
+29.5% QoQ
|
+0.19% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 15% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 4%
in Micro
Why this stands out
Current:
2.41%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
41.21%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 4%
in Micro
Why this stands out
Current:
3.82%
(Tier avg: 22.39%, National avg: 21.79%)
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
98
98th pctile
Efficiency Ratio
Current: 41.21% · Tier avg: 67.73%
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%
94
94th pctile
Total Deposits
Current: $374.3M · Tier avg: $183.7M
93
93th pctile
Total Assets
Current: $438.6M · Tier avg: $217.5M
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
85
85th pctile
Total Loans
Current: $251.9M · Tier avg: $139.2M
66
66th pctile
Loan-to-Deposit Ratio
Current: 67.30% · Tier avg: 74.53%
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
34
34th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.82% · Tier avg: 22.39%
Top Weaknesses
4
4th pctile
Non-Interest-Bearing Deposit Share
Current: 3.82% · Tier avg: 22.39%
34
34th pctile
Delinquency Rate
Current: 0.79% · Tier avg: 0.64%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
66
66th pctile
Loan-to-Deposit Ratio
Current: 67.30% · Tier avg: 74.53%
85
85th pctile
Total Loans
Current: $251.9M · Tier avg: $139.2M
85
85th pctile
Non-Interest Income / Assets
Current: 0.75% · Tier avg: 0.56%
93
93th pctile
Total Assets
Current: $438.6M · Tier avg: $217.5M
94
94th pctile
Total Deposits
Current: $374.3M · Tier avg: $183.7M
96
96th pctile
Return on Assets
Current: 2.41% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 41.21% · Tier avg: 67.73%