BlastPoint's Banking Scorecard
Sherwood Community Bank
Micro
Specialty: Commercial
MO
FDIC cert 1612
Designations: ✓ Community bank
Creighton, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Sherwood Community 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
- - Delinquency Rate 2.23% above tier
- - Nonperforming Asset Ratio 1.44% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$74.8M
+3.3% YoY
+1.5% QoQ
|
-$142.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$49.2M
+12.8% YoY
+8.7% QoQ
|
-$90.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$67.6M
+6.0% YoY
+1.5% QoQ
|
-$116.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
0.89%
+143.8% YoY
+27.6% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
4.02%
+19.1% YoY
+3.2% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
78.95%
-11.0% YoY
-4.4% QoQ
|
+11.22% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
22% |
| Delinquency Rate ? |
2.87%
+160.8% YoY
-0.8% QoQ
|
+2.23% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
72.76%
+6.4% YoY
+7.1% QoQ
|
-1.77% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
28.55%
+1.8% YoY
-6.2% QoQ
|
+6.16% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
75% |
| Nonperforming Asset Ratio ? |
1.89%
+184.6% YoY
+6.2% QoQ
|
+1.44% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
12.75%
-4.9% YoY
-3.8% QoQ
|
+3.90% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.46%
+35.1% YoY
+75.5% QoQ
|
-0.10% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.87%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.89%
(Tier avg: 0.45%, National avg: 0.48%)
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
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.55% · Tier avg: 22.39%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.76% · Tier avg: 74.53%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
22
22th pctile
Efficiency Ratio
Current: 78.95% · Tier avg: 67.73%
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
17
17th pctile
Total Deposits
Current: $67.6M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $74.8M · Tier avg: $217.5M
7
7th pctile
Nonperforming Asset Ratio
Current: 1.89% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.87% · Tier avg: 0.64%
Top Weaknesses
7
7th pctile
Delinquency Rate
Current: 2.87% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.89% · Tier avg: 0.45%
14
14th pctile
Total Assets
Current: $74.8M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $67.6M · Tier avg: $183.7M
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
22
22th pctile
Efficiency Ratio
Current: 78.95% · Tier avg: 67.73%
39
39th pctile
Return on Assets
Current: 0.89% · Tier avg: 1.08%
43
43th pctile
Loan-to-Deposit Ratio
Current: 72.76% · Tier avg: 74.53%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 8.85%
64
64th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.56%
75
75th pctile
Non-Interest-Bearing Deposit Share
Current: 28.55% · Tier avg: 22.39%