BlastPoint's Banking Scorecard
The Bank of Old Monroe
Community
Specialty: Commercial
MO
FDIC cert 1655
Old Monroe, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
The Bank of Old Monroe has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 21% in Community
- + Return on Assets 0.95% above tier
- + Efficiency Ratio 19.59% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$950.6M
+8.1% YoY
-0.3% QoQ
|
-$440.8M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
46% |
| Total Loans ? |
$623.9M
+17.5% YoY
+4.6% QoQ
|
-$351.6M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$840.9M
+3.1% YoY
-2.2% QoQ
|
-$323.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
50% |
| Return on Assets ? |
2.12%
-1.1% YoY
-2.3% QoQ
|
+0.95% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
3.85%
+3.2% YoY
+2.3% QoQ
|
+0.18% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
62% |
| Efficiency Ratio ? |
43.05%
+1.7% YoY
+4.4% QoQ
|
-19.59% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | 0.05% | -0.58% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 12% in tier |
| Loan-to-Deposit Ratio ? |
74.20%
+14.0% YoY
+6.9% QoQ
|
-8.87% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
25.14%
+6.2% YoY
-2.4% QoQ
|
+4.09% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
70% |
| Nonperforming Asset Ratio ? | 0.03% | -0.47% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 11% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.42%
+7.5% YoY
+35.6% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
37% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#80 of 371 · Top 21% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 7%
in Community
Why this stands out
Current:
2.12%
(Tier avg: 1.16%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Community
Why this stands out
Current:
43.05%
(Tier avg: 62.63%, National avg: 65.09%)
Concerns (1)
Credit Quality Pressure
risk
#58 of 808 · Bottom 7% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.05%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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
93
93th pctile
Efficiency Ratio
Current: 43.05% · Tier avg: 62.63%
93
93th pctile
Return on Assets
Current: 2.12% · Tier avg: 1.16%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
74
74th pctile
Loan-to-Deposit Ratio
Current: 74.20% · Tier avg: 83.06%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.14% · Tier avg: 21.05%
62
62th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
50
50th pctile
Total Deposits
Current: $840.9M · Tier avg: $1.2B
46
46th pctile
Total Assets
Current: $950.6M · Tier avg: $1.4B
43
43th pctile
Total Loans
Current: $623.9M · Tier avg: $975.5M
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
43
43th pctile
Total Loans
Current: $623.9M · Tier avg: $975.5M
46
46th pctile
Total Assets
Current: $950.6M · Tier avg: $1.4B
50
50th pctile
Total Deposits
Current: $840.9M · Tier avg: $1.2B
62
62th pctile
Net Interest Margin
Current: 3.85% · Tier avg: 3.66%
70
70th pctile
Non-Interest-Bearing Deposit Share
Current: 25.14% · Tier avg: 21.05%
74
74th pctile
Loan-to-Deposit Ratio
Current: 74.20% · Tier avg: 83.06%
88
88th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.63%
89
89th pctile
Nonperforming Asset Ratio
Current: 0.03% · Tier avg: 0.50%
93
93th pctile
Return on Assets
Current: 2.12% · Tier avg: 1.16%
93
93th pctile
Efficiency Ratio
Current: 43.05% · Tier avg: 62.63%