BlastPoint's Banking Scorecard
Community Point Bank
Micro
Specialty: Agricultural
MO
FDIC cert 14604
Designations: ✓ Community bank
Russellville, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Point Bank shows strong momentum with 1 strength and 17.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.92% below 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 ? |
$239.6M
+17.8% YoY
+6.6% QoQ
|
+$22.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
60% |
| Total Loans ? |
$199.4M
+21.2% YoY
+8.3% QoQ
|
+$60.2M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
74% |
| Total Deposits ? |
$206.6M
+16.4% YoY
+3.2% QoQ
|
+$22.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.79%
+35.5% YoY
+3.3% QoQ
|
+0.70% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
3.84%
+11.5% YoY
+1.6% QoQ
|
-0.02% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
46.81%
-16.4% YoY
-2.6% QoQ
|
-20.92% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.25%
+21.5% YoY
-8.2% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
96.54%
+4.1% YoY
+4.9% QoQ
|
+22.01% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.94%
-4.3% YoY
-2.4% QoQ
|
-9.46% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.21%
+24.9% YoY
-6.8% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
56% |
| Tier 1 Capital Ratio ? |
9.08%
-9.2% YoY
-11.6% QoQ
|
+0.23% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.14%
-5.6% YoY
+30.9% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.81%
(Tier avg: 67.73%, National avg: 65.09%)
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
93
93th pctile
Efficiency Ratio
Current: 46.81% · Tier avg: 67.73%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
74
74th pctile
Total Loans
Current: $199.4M · Tier avg: $139.2M
61
61th pctile
Total Deposits
Current: $206.6M · Tier avg: $183.7M
60
60th pctile
Total Assets
Current: $239.6M · Tier avg: $217.5M
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.08% · Tier avg: 8.85%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.94% · Tier avg: 22.39%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.54% · Tier avg: 74.53%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 96.54% · Tier avg: 74.53%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 12.94% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 9.08% · Tier avg: 8.85%
52
52th pctile
Net Interest Margin
Current: 3.84% · Tier avg: 3.85%
56
56th pctile
Nonperforming Asset Ratio
Current: 0.21% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
60
60th pctile
Total Assets
Current: $239.6M · Tier avg: $217.5M
61
61th pctile
Total Deposits
Current: $206.6M · Tier avg: $183.7M
74
74th pctile
Total Loans
Current: $199.4M · Tier avg: $139.2M
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 46.81% · Tier avg: 67.73%