BlastPoint's Banking Scorecard
Neighbors Bank
Micro
Specialty: Mortgage
MO
FDIC cert 16247
Designations: ✓ Community bank
Clarence, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Neighbors 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 1.85% below tier
- - Efficiency Ratio 34.39% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$113.0M
+23.7% YoY
+4.6% QoQ
|
-$104.5M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
26% |
| Total Loans ? |
$79.5M
+6.2% YoY
+18.7% QoQ
|
-$59.6M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$94.2M
+69.7% YoY
+9.5% QoQ
|
-$89.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
27% |
| Return on Assets ? |
-0.77%
-118.9% YoY
-156.4% QoQ
|
-1.85% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
2.92%
+4.0% YoY
-0.0% QoQ
|
-0.93% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
102.11%
+12.8% YoY
+4.5% QoQ
|
+34.39% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 5% in tier |
| Delinquency Rate ? |
1.61%
+127.5% YoY
+12.0% QoQ
|
+0.97% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
84.47%
-37.4% YoY
+8.4% QoQ
|
+9.94% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
11.47%
-36.3% YoY
-4.1% QoQ
|
-10.93% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
1.18%
+103.2% YoY
+25.5% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
39.06%
+6.6% YoY
+26.5% QoQ
|
+38.50% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
- |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.77%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
102.11%
(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
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.47% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Total Loans
Current: $79.5M · Tier avg: $139.2M
27
27th pctile
Total Deposits
Current: $94.2M · Tier avg: $183.7M
26
26th pctile
Total Assets
Current: $113.0M · Tier avg: $217.5M
17
17th pctile
Delinquency Rate
Current: 1.61% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.47% · Tier avg: 22.39%
14
14th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.85%
5
5th pctile
Efficiency Ratio
Current: 102.11% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.77% · Tier avg: 1.08%
Top Weaknesses
3
3th pctile
Return on Assets
Current: -0.77% · Tier avg: 1.08%
5
5th pctile
Efficiency Ratio
Current: 102.11% · Tier avg: 67.73%
14
14th pctile
Net Interest Margin
Current: 2.92% · Tier avg: 3.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.47% · Tier avg: 22.39%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.18% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.61% · Tier avg: 0.64%
26
26th pctile
Total Assets
Current: $113.0M · Tier avg: $217.5M
27
27th pctile
Total Deposits
Current: $94.2M · Tier avg: $183.7M
34
34th pctile
Total Loans
Current: $79.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
67
67th pctile
Loan-to-Deposit Ratio
Current: 84.47% · Tier avg: 74.53%