BlastPoint's Banking Scorecard
The Bank of Missouri
Community
Specialty: Commercial
MO
FDIC cert 1617
Perryville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
The Bank of Missouri has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 10% in Community
- + Profitability Leader: Top 11% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15% in Community
- - Capital Constraint: Bottom 20% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$3.0B
-1.5% YoY
-0.9% QoQ
|
+$1.6B |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$2.1B
+3.6% YoY
-0.6% QoQ
|
+$1.2B |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 9% in tier |
| Total Deposits ? |
$2.5B
-3.0% YoY
+0.1% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 9% in tier |
| Return on Assets ? |
1.65%
+181.8% YoY
-18.1% QoQ
|
+0.49% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.02%
+19.6% YoY
+3.5% QoQ
|
-0.64% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
18% |
| Efficiency Ratio ? |
63.83%
-23.6% YoY
+7.8% QoQ
|
+1.20% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.36%
+61.1% YoY
+10.1% QoQ
|
-0.27% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
85.36%
+6.8% YoY
-0.7% QoQ
|
+2.30% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
21.12%
+5.9% YoY
+1.8% QoQ
|
+0.07% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.25%
+62.3% YoY
+11.4% QoQ
|
-0.25% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
13.45%
+8.2% YoY
+0.9% QoQ
|
+3.21% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
2.86%
+65.2% YoY
+19.3% QoQ
|
+2.12% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 3% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#38 of 371 · Top 10% 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:
2.86%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#40 of 371 · Top 11% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.65%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (2)
Credit Risk Growth
risk
#99 of 642 · Bottom 15% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank declining
Capital Constraint
risk
#10 of 47 · Bottom 20% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
85.36%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
13.45%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
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
97
97th pctile
Non-Interest Income / Assets
Current: 2.86% · Tier avg: 0.74%
92
92th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
82
82th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.45% · Tier avg: 10.24%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.12% · Tier avg: 21.05%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.36% · Tier avg: 83.06%
45
45th pctile
Efficiency Ratio
Current: 63.83% · Tier avg: 62.63%
18
18th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.66%
Top Weaknesses
18
18th pctile
Net Interest Margin
Current: 3.02% · Tier avg: 3.66%
45
45th pctile
Efficiency Ratio
Current: 63.83% · Tier avg: 62.63%
52
52th pctile
Loan-to-Deposit Ratio
Current: 85.36% · Tier avg: 83.06%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 21.12% · Tier avg: 21.05%
56
56th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.63%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.25% · Tier avg: 0.50%
62
62th pctile
Tier 1 Capital Ratio
Current: 13.45% · Tier avg: 10.24%
82
82th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.16%
91
91th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
91
91th pctile
Total Deposits
Current: $2.5B · Tier avg: $1.2B
92
92th pctile
Total Assets
Current: $3.0B · Tier avg: $1.4B
97
97th pctile
Non-Interest Income / Assets
Current: 2.86% · Tier avg: 0.74%