BlastPoint's Banking Scorecard
Peoples Savings Bank of Rhineland
Community
Specialty: Commercial
MO
FDIC cert 15264
Rhineland, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Peoples Savings Bank of Rhineland faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$818.8M
+23.4% YoY
+13.3% QoQ
|
-$572.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$640.4M
+20.8% YoY
+11.7% QoQ
|
-$335.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$694.0M
+26.7% YoY
+19.2% QoQ
|
-$470.6M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
1.07%
+8.8% YoY
-10.1% QoQ
|
-0.09% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
45% |
| Net Interest Margin ? |
3.77%
+5.7% YoY
-6.3% QoQ
|
+0.10% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
60.82%
-4.8% YoY
+0.8% QoQ
|
-1.81% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.20%
+1.5% YoY
-26.4% QoQ
|
-0.42% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
92.27%
-4.7% YoY
-6.3% QoQ
|
+9.21% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
21.59%
-4.1% YoY
-6.6% QoQ
|
+0.54% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.16%
-0.8% YoY
-27.4% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
10.70%
-4.1% YoY
-6.3% QoQ
|
+0.45% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.39%
-11.0% YoY
+26.0% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Quality Pressure
risk
#67 of 808 · Bottom 8% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.20%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
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
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.27% · Tier avg: 83.06%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
69
69th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.59% · Tier avg: 21.05%
54
54th pctile
Efficiency Ratio
Current: 60.82% · Tier avg: 62.63%
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
45
45th pctile
Total Loans
Current: $640.4M · Tier avg: $975.5M
38
38th pctile
Total Deposits
Current: $694.0M · Tier avg: $1.2B
36
36th pctile
Total Assets
Current: $818.8M · Tier avg: $1.4B
34
34th pctile
Tier 1 Capital Ratio
Current: 10.70% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
Top Weaknesses
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
34
34th pctile
Tier 1 Capital Ratio
Current: 10.70% · Tier avg: 10.24%
36
36th pctile
Total Assets
Current: $818.8M · Tier avg: $1.4B
38
38th pctile
Total Deposits
Current: $694.0M · Tier avg: $1.2B
45
45th pctile
Total Loans
Current: $640.4M · Tier avg: $975.5M
45
45th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.16%
54
54th pctile
Efficiency Ratio
Current: 60.82% · Tier avg: 62.63%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 21.59% · Tier avg: 21.05%
58
58th pctile
Net Interest Margin
Current: 3.77% · Tier avg: 3.66%
69
69th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
71
71th pctile
Loan-to-Deposit Ratio
Current: 92.27% · Tier avg: 83.06%