BlastPoint's Banking Scorecard
Kennett Trust Bank
Micro
Specialty: Other
MO
FDIC cert 18879
Designations: ✓ Community bank
Kennett, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Kennett Trust Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Ratio 24.68% above tier
- - Delinquency Rate 3.79% above tier
- - Nonperforming Asset Ratio 2.30% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$127.0M
-7.3% YoY
-1.8% QoQ
|
-$90.5M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$79.0M
+2.2% YoY
+0.3% QoQ
|
-$60.2M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$113.0M
-8.5% YoY
+3.7% QoQ
|
-$70.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.27%
-39.5% YoY
-70.1% QoQ
|
-0.81% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
3.46%
+7.1% YoY
+0.6% QoQ
|
-0.39% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
92.41%
+12.4% YoY
+36.6% QoQ
|
+24.68% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
4.43%
+81.0% YoY
+12.6% QoQ
|
+3.79% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
69.90%
+11.7% YoY
-3.3% QoQ
|
-4.63% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
9.99%
-0.1% YoY
+9.2% QoQ
|
-12.41% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
2.75%
+95.3% YoY
+15.0% QoQ
|
+2.30% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| 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 ? |
0.78%
+12.5% YoY
+36.6% QoQ
|
+0.21% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.41%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.43%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 0.45%, National avg: 0.48%)
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
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.90% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Total Loans
Current: $79.0M · Tier avg: $139.2M
33
33th pctile
Total Deposits
Current: $113.0M · Tier avg: $183.7M
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
31
31th pctile
Total Assets
Current: $127.0M · Tier avg: $217.5M
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.99% · Tier avg: 22.39%
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 92.41% · Tier avg: 67.73%
0
0th pctile
Delinquency Rate
Current: 4.43% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.75% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.75% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.43% · Tier avg: 0.64%
8
8th pctile
Efficiency Ratio
Current: 92.41% · Tier avg: 67.73%
12
12th pctile
Return on Assets
Current: 0.27% · Tier avg: 1.08%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 9.99% · Tier avg: 22.39%
31
31th pctile
Total Assets
Current: $127.0M · Tier avg: $217.5M
32
32th pctile
Net Interest Margin
Current: 3.46% · Tier avg: 3.85%
33
33th pctile
Total Deposits
Current: $113.0M · Tier avg: $183.7M
33
33th pctile
Total Loans
Current: $79.0M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.90% · Tier avg: 74.53%
86
86th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.56%