BlastPoint's Banking Scorecard
Mid-Missouri Bank
Community
Specialty: Commercial
MO
FDIC cert 15584
Springfield, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Mid-Missouri Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 47% in Community
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 26% in Community
- - Non-Interest-Bearing Deposit Share 19.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$927.3M
-0.7% YoY
-1.0% QoQ
|
-$464.2M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$650.9M
+0.3% YoY
+0.9% QoQ
|
-$324.5M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$826.9M
-1.8% YoY
-1.2% QoQ
|
-$337.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
49% |
| Return on Assets ? |
1.41%
+10.0% YoY
-6.7% QoQ
|
+0.25% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
4.45%
+5.9% YoY
+1.0% QoQ
|
+0.79% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
63.37%
+2.8% YoY
+4.6% QoQ
|
+0.74% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.23%
-52.2% YoY
-6.9% QoQ
|
-0.40% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
78.72%
+2.2% YoY
+2.2% QoQ
|
-4.34% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
1.38%
-53.4% YoY
-60.2% QoQ
|
-19.67% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 1% in tier |
| Nonperforming Asset Ratio ? |
0.19%
-51.3% YoY
-10.7% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
14.59%
+5.9% YoY
-0.6% QoQ
|
+4.34% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
73% |
| Non-Interest Income / Assets ? |
1.10%
+2.5% YoY
+35.1% QoQ
|
+0.36% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#175 of 371 · Top 47% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.10%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.41%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (2)
Deposit Outflow
decline
#66 of 248 · Bottom 26% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Non-Interest-Bearing Deposit Share
metric
Bottom 1%
in Community
Non-Interest-Bearing Deposit Share is in the bottom decile of tier peers. The deposit base leans more on interest-bearing funding than at peers - margin more exposed to rate hikes.
Why this stands out
Current:
1.38%
(Tier avg: 21.05%, 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
88
88th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.74%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 10.24%
70
70th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.72% · Tier avg: 83.06%
49
49th pctile
Total Deposits
Current: $826.9M · Tier avg: $1.2B
47
47th pctile
Efficiency Ratio
Current: 63.37% · Tier avg: 62.63%
46
46th pctile
Total Loans
Current: $650.9M · Tier avg: $975.5M
45
45th pctile
Total Assets
Current: $927.3M · Tier avg: $1.4B
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.38% · Tier avg: 21.05%
Top Weaknesses
1
1th pctile
Non-Interest-Bearing Deposit Share
Current: 1.38% · Tier avg: 21.05%
45
45th pctile
Total Assets
Current: $927.3M · Tier avg: $1.4B
46
46th pctile
Total Loans
Current: $650.9M · Tier avg: $975.5M
47
47th pctile
Efficiency Ratio
Current: 63.37% · Tier avg: 62.63%
49
49th pctile
Total Deposits
Current: $826.9M · Tier avg: $1.2B
65
65th pctile
Loan-to-Deposit Ratio
Current: 78.72% · Tier avg: 83.06%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
68
68th pctile
Delinquency Rate
Current: 0.23% · Tier avg: 0.63%
70
70th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.16%
73
73th pctile
Tier 1 Capital Ratio
Current: 14.59% · Tier avg: 10.24%
86
86th pctile
Net Interest Margin
Current: 4.45% · Tier avg: 3.66%
88
88th pctile
Non-Interest Income / Assets
Current: 1.10% · Tier avg: 0.74%