BlastPoint's Banking Scorecard
Regional Missouri Bank
Community
Specialty: Agricultural
MO
FDIC cert 18385
Marceline, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Regional Missouri Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 35% in Community
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24% in Community
- - Capital Thin: Bottom 24% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$574.0M
+1.6% YoY
+2.1% QoQ
|
-$817.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$445.1M
+6.8% YoY
+2.8% QoQ
|
-$530.4M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$490.9M
+8.3% YoY
+7.9% QoQ
|
-$673.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.59%
-5.1% YoY
-4.8% QoQ
|
+0.42% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
4.03%
+10.4% YoY
+2.7% QoQ
|
+0.36% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
60.16%
+6.5% YoY
+4.7% QoQ
|
-2.48% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
0.06%
-14.6% YoY
+87.3% QoQ
|
-0.57% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
90.67%
-1.4% YoY
-4.8% QoQ
|
+7.61% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
20.68%
-1.7% YoY
+0.8% QoQ
|
-0.36% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.05%
-10.2% YoY
+88.5% QoQ
|
-0.45% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 14% 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 ? |
0.39%
-27.7% YoY
+35.6% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#129 of 371 · Top 35% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Concerns (2)
Liquidity Strain
risk
#123 of 513 · Bottom 24% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
90.67%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Thin
risk
#105 of 432 · Bottom 24% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 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
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
71
71th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.67% · Tier avg: 83.06%
56
56th pctile
Efficiency Ratio
Current: 60.16% · Tier avg: 62.63%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.68% · Tier avg: 21.05%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Total Loans
Current: $445.1M · Tier avg: $975.5M
12
12th pctile
Total Deposits
Current: $490.9M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $574.0M · Tier avg: $1.4B
Top Weaknesses
11
11th pctile
Total Assets
Current: $574.0M · Tier avg: $1.4B
12
12th pctile
Total Deposits
Current: $490.9M · Tier avg: $1.2B
22
22th pctile
Total Loans
Current: $445.1M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.68% · Tier avg: 21.05%
56
56th pctile
Efficiency Ratio
Current: 60.16% · Tier avg: 62.63%
67
67th pctile
Loan-to-Deposit Ratio
Current: 90.67% · Tier avg: 83.06%
71
71th pctile
Net Interest Margin
Current: 4.03% · Tier avg: 3.66%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.16%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
86
86th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%