BlastPoint's Banking Scorecard
Phelps County Bank
Community
Specialty: Commercial
MO
FDIC cert 18841
Rolla, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Phelps County Bank shows strong momentum with 1 strength and 20.4% 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 ? |
$617.5M
+20.4% YoY
+9.9% QoQ
|
-$774.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$445.4M
+11.8% YoY
+3.1% QoQ
|
-$530.0M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$561.9M
+21.5% YoY
+11.4% QoQ
|
-$602.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
1.53%
+1.8% YoY
-3.9% QoQ
|
+0.37% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
4.35%
+6.7% YoY
-1.1% QoQ
|
+0.69% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
83% |
| Efficiency Ratio ? |
67.81%
-1.3% YoY
+1.5% QoQ
|
+5.18% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.09%
-24.2% YoY
+19.0% QoQ
|
-0.54% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
79.28%
-8.0% YoY
-7.5% QoQ
|
-3.78% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
17.74%
-8.0% YoY
-12.8% QoQ
|
-3.31% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.07%
-29.6% YoY
+11.6% QoQ
|
-0.43% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
13.35%
-3.7% YoY
-0.8% QoQ
|
+3.10% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
61% |
| Non-Interest Income / Assets ? |
0.83%
-15.2% YoY
+22.0% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#124 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:
0.09%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
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
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.28% · Tier avg: 83.06%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.35% · Tier avg: 10.24%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.74% · Tier avg: 21.05%
32
32th pctile
Efficiency Ratio
Current: 67.81% · Tier avg: 62.63%
23
23th pctile
Total Deposits
Current: $561.9M · Tier avg: $1.2B
22
22th pctile
Total Loans
Current: $445.4M · Tier avg: $975.5M
17
17th pctile
Total Assets
Current: $617.5M · Tier avg: $1.4B
Top Weaknesses
17
17th pctile
Total Assets
Current: $617.5M · Tier avg: $1.4B
22
22th pctile
Total Loans
Current: $445.4M · Tier avg: $975.5M
23
23th pctile
Total Deposits
Current: $561.9M · Tier avg: $1.2B
32
32th pctile
Efficiency Ratio
Current: 67.81% · Tier avg: 62.63%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 17.74% · Tier avg: 21.05%
61
61th pctile
Tier 1 Capital Ratio
Current: 13.35% · Tier avg: 10.24%
64
64th pctile
Loan-to-Deposit Ratio
Current: 79.28% · Tier avg: 83.06%
75
75th pctile
Return on Assets
Current: 1.53% · Tier avg: 1.16%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
82
82th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.63%
83
83th pctile
Net Interest Margin
Current: 4.35% · Tier avg: 3.66%
84
84th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.50%