BlastPoint's Banking Scorecard
Bank of Billings
Micro
Specialty: Commercial
MO
FDIC cert 16959
Designations: ✓ Community bank
Billings, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank of Billings shows strong momentum with 1 strength and 6.4% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.83% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.5M
+6.4% YoY
+2.1% QoQ
|
-$122.0M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$76.9M
+13.3% YoY
+2.3% QoQ
|
-$62.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$82.0M
+6.1% YoY
+2.4% QoQ
|
-$101.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
1.25%
+26.4% YoY
+2.0% QoQ
|
+0.17% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
62% |
| Net Interest Margin ? |
5.69%
-5.7% YoY
-0.1% QoQ
|
+1.83% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
65.83%
-9.7% YoY
+0.3% QoQ
|
-1.89% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.87%
+63.0% YoY
-32.2% QoQ
|
+0.23% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
93.71%
+6.9% YoY
-0.1% QoQ
|
+19.19% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
28.89%
-12.5% YoY
-19.7% QoQ
|
+6.50% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
1.03%
+156.4% YoY
-24.6% QoQ
|
+0.58% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
19% |
| 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 ? |
0.34%
+0.5% YoY
+34.3% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.69%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (0)
No concerns identified
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
Net Interest Margin
Current: 5.69% · Tier avg: 3.85%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.89% · Tier avg: 22.39%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
51
51th pctile
Efficiency Ratio
Current: 65.83% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
32
32th pctile
Total Loans
Current: $76.9M · Tier avg: $139.2M
22
22th pctile
Total Deposits
Current: $82.0M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.5M · Tier avg: $217.5M
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.71% · Tier avg: 74.53%
Top Weaknesses
16
16th pctile
Loan-to-Deposit Ratio
Current: 93.71% · Tier avg: 74.53%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.03% · Tier avg: 0.45%
21
21th pctile
Total Assets
Current: $95.5M · Tier avg: $217.5M
22
22th pctile
Total Deposits
Current: $82.0M · Tier avg: $183.7M
32
32th pctile
Total Loans
Current: $76.9M · Tier avg: $139.2M
32
32th pctile
Delinquency Rate
Current: 0.87% · Tier avg: 0.64%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Efficiency Ratio
Current: 65.83% · Tier avg: 67.73%
62
62th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.08%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.89% · Tier avg: 22.39%
97
97th pctile
Net Interest Margin
Current: 5.69% · Tier avg: 3.85%