BlastPoint's Banking Scorecard
Bank of Crocker
Micro
Specialty: Other
MO
FDIC cert 1937
Designations: ✓ Community bank
Waynesville, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank of Crocker has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.26% below tier
- + Tier 1 Capital Ratio 20.69% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.18% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$145.8M
+2.7% YoY
+1.0% QoQ
|
-$71.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
36% |
| Total Loans ? |
$48.3M
+5.3% YoY
-0.2% QoQ
|
-$90.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$129.7M
+0.7% YoY
+0.8% QoQ
|
-$54.0M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.63%
-0.5% YoY
-5.4% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.29%
+4.6% YoY
+1.4% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
80.09%
-0.4% YoY
+1.7% QoQ
|
+12.37% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
2.82%
+11.6% YoY
+9.0% QoQ
|
+2.18% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
37.26%
+4.5% YoY
-0.9% QoQ
|
-37.26% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
27.24%
+4.0% YoY
-0.3% QoQ
|
+4.84% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.93%
+14.3% YoY
+7.8% QoQ
|
+0.48% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
29.55%
-0.6% YoY
+1.3% QoQ
|
+20.69% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 4% in tier |
| Non-Interest Income / Assets ? |
0.23%
-6.0% YoY
+32.9% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
37.26%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
29.55%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.82%
(Tier avg: 0.64%, National avg: 0.66%)
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
96
96th pctile
Tier 1 Capital Ratio
Current: 29.55% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.26% · Tier avg: 74.53%
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.24% · Tier avg: 22.39%
39
39th pctile
Total Deposits
Current: $129.7M · Tier avg: $183.7M
36
36th pctile
Total Assets
Current: $145.8M · Tier avg: $217.5M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
21
21th pctile
Efficiency Ratio
Current: 80.09% · Tier avg: 67.73%
19
19th pctile
Total Loans
Current: $48.3M · Tier avg: $139.2M
8
8th pctile
Delinquency Rate
Current: 2.82% · Tier avg: 0.64%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.82% · Tier avg: 0.64%
19
19th pctile
Total Loans
Current: $48.3M · Tier avg: $139.2M
21
21th pctile
Efficiency Ratio
Current: 80.09% · Tier avg: 67.73%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
36
36th pctile
Total Assets
Current: $145.8M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $129.7M · Tier avg: $183.7M
71
71th pctile
Non-Interest-Bearing Deposit Share
Current: 27.24% · Tier avg: 22.39%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.26% · Tier avg: 74.53%
96
96th pctile
Tier 1 Capital Ratio
Current: 29.55% · Tier avg: 8.85%