BlastPoint's Banking Scorecard
First State Community Bank
Community
Specialty: Commercial
MO
FDIC cert 17323
Farmington, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
First State Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$4.5B
+6.0% YoY
+3.8% QoQ
|
+$3.1B |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$3.3B
+7.4% YoY
+1.4% QoQ
|
+$2.3B |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$3.7B
+5.5% YoY
+4.1% QoQ
|
+$2.6B |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.74%
+10.2% YoY
-0.7% QoQ
|
+0.58% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
3.83%
+9.0% YoY
+0.9% QoQ
|
+0.16% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
51.04%
-6.2% YoY
-0.1% QoQ
|
-11.59% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.59%
+86.4% YoY
+0.1% QoQ
|
-0.04% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
88.68%
+1.8% YoY
-2.6% QoQ
|
+5.62% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
21.80%
-1.7% YoY
-4.5% QoQ
|
+0.75% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.45%
+43.4% YoY
-3.0% QoQ
|
-0.05% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
14.03%
+2.7% YoY
+2.7% QoQ
|
+3.79% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
1.26%
-0.4% YoY
+27.4% QoQ
|
+0.52% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Revenue Diversifier
growth
#112 of 371 · Top 30% 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:
1.26%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.74%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Concerns (1)
Credit Risk Growth
risk
#304 of 642 · Bottom 47% 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 improving
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
99
99th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B
98
98th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M
91
91th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.74%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
82
82th pctile
Efficiency Ratio
Current: 51.04% · Tier avg: 62.63%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 10.24%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.80% · Tier avg: 21.05%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.68% · Tier avg: 83.06%
Top Weaknesses
39
39th pctile
Loan-to-Deposit Ratio
Current: 88.68% · Tier avg: 83.06%
41
41th pctile
Delinquency Rate
Current: 0.59% · Tier avg: 0.63%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.45% · Tier avg: 0.50%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 21.80% · Tier avg: 21.05%
61
61th pctile
Net Interest Margin
Current: 3.83% · Tier avg: 3.66%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 10.24%
82
82th pctile
Efficiency Ratio
Current: 51.04% · Tier avg: 62.63%
85
85th pctile
Return on Assets
Current: 1.74% · Tier avg: 1.16%
91
91th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.74%
98
98th pctile
Total Loans
Current: $3.3B · Tier avg: $975.5M
98
98th pctile
Total Assets
Current: $4.5B · Tier avg: $1.4B
99
99th pctile
Total Deposits
Current: $3.7B · Tier avg: $1.2B