BlastPoint's Banking Scorecard
Blue Ridge Bank and Trust Co.
Community
Specialty: Commercial
MO
FDIC cert 17933
Independence, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Blue Ridge Bank and Trust Co. shows strong momentum with 1 strength and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 33% in Community
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 ? |
$883.4M
+8.6% YoY
+6.7% QoQ
|
-$508.1M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$614.5M
+0.2% YoY
+1.6% QoQ
|
-$361.0M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
43% |
| Total Deposits ? |
$740.4M
+6.8% YoY
+6.1% QoQ
|
-$424.2M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.22%
+6.3% YoY
+5.9% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.82%
+3.6% YoY
+0.6% QoQ
|
+0.15% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
58.83%
-3.2% YoY
-2.3% QoQ
|
-3.80% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.12%
-30.5% YoY
-15.8% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
83.00%
-6.1% YoY
-4.2% QoQ
|
-0.07% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
29.26%
+4.4% YoY
+12.0% QoQ
|
+8.21% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.09%
-35.8% YoY
-19.8% QoQ
|
-0.41% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
11.53%
+10.1% YoY
+3.9% QoQ
|
+1.29% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.77%
+0.9% YoY
+31.9% QoQ
|
+0.03% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#123 of 371 · Top 33% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.26% · Tier avg: 21.05%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
61
61th pctile
Efficiency Ratio
Current: 58.83% · Tier avg: 62.63%
60
60th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
58
58th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.00% · Tier avg: 83.06%
43
43th pctile
Total Loans
Current: $614.5M · Tier avg: $975.5M
42
42th pctile
Tier 1 Capital Ratio
Current: 11.53% · Tier avg: 10.24%
42
42th pctile
Total Assets
Current: $883.4M · Tier avg: $1.4B
42
42th pctile
Total Deposits
Current: $740.4M · Tier avg: $1.2B
Top Weaknesses
42
42th pctile
Total Deposits
Current: $740.4M · Tier avg: $1.2B
42
42th pctile
Total Assets
Current: $883.4M · Tier avg: $1.4B
42
42th pctile
Tier 1 Capital Ratio
Current: 11.53% · Tier avg: 10.24%
43
43th pctile
Total Loans
Current: $614.5M · Tier avg: $975.5M
55
55th pctile
Loan-to-Deposit Ratio
Current: 83.00% · Tier avg: 83.06%
58
58th pctile
Return on Assets
Current: 1.22% · Tier avg: 1.16%
60
60th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
61
61th pctile
Efficiency Ratio
Current: 58.83% · Tier avg: 62.63%
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
79
79th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
83
83th pctile
Non-Interest-Bearing Deposit Share
Current: 29.26% · Tier avg: 21.05%