BlastPoint's Banking Scorecard
Flat Branch Bank
Micro
Specialty: Other
MO
FDIC cert 15751
Designations: ✓ Community bank
Richmond, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Flat Branch Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.07% below tier
- - Efficiency Ratio 22.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.8M
+12.2% YoY
+2.9% QoQ
|
-$121.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$47.9M
+87.2% YoY
+19.3% QoQ
|
-$91.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$81.5M
+7.9% YoY
-1.8% QoQ
|
-$102.2M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.01%
-97.4% YoY
+109.6% QoQ
|
-1.07% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
4.04%
-1.3% YoY
+3.3% QoQ
|
+0.19% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
89.92%
+31.5% YoY
-2.3% QoQ
|
+22.19% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 9% in tier |
| Delinquency Rate ? |
0.19%
-52.9% YoY
-45.6% QoQ
|
-0.45% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
58.75%
+73.5% YoY
+21.5% QoQ
|
-15.77% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
17.65%
+19.1% YoY
+21.4% QoQ
|
-4.75% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.09%
-21.4% YoY
-36.9% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.23%
-4.9% YoY
+32.2% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.01%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 9%
in Micro
Why this stands out
Current:
89.92%
(Tier avg: 67.73%, National avg: 65.09%)
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
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.65% · Tier avg: 22.39%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.75% · Tier avg: 74.53%
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.8M · Tier avg: $217.5M
19
19th pctile
Total Loans
Current: $47.9M · Tier avg: $139.2M
9
9th pctile
Efficiency Ratio
Current: 89.92% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.08%
Top Weaknesses
7
7th pctile
Return on Assets
Current: 0.01% · Tier avg: 1.08%
9
9th pctile
Efficiency Ratio
Current: 89.92% · Tier avg: 67.73%
19
19th pctile
Total Loans
Current: $47.9M · Tier avg: $139.2M
21
21th pctile
Total Assets
Current: $95.8M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $81.5M · Tier avg: $183.7M
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.75% · Tier avg: 74.53%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 17.65% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Net Interest Margin
Current: 4.04% · Tier avg: 3.85%
63
63th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%