BlastPoint's Banking Scorecard
Royal Banks of Missouri
Community
Specialty: Commercial
MO
FDIC cert 19512
Saint Louis, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Royal Banks of Missouri faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 8% in Community
- - Credit Quality Pressure: Bottom 9% in Community
- - Flatlined Growth: Bottom 29% in Community
- - Nonperforming Asset Ratio 1.10% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.6% YoY
+0.8% QoQ
|
-$339.0M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$787.6M
+3.8% YoY
+2.5% QoQ
|
-$187.9M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$917.6M
-0.5% YoY
+0.6% QoQ
|
-$247.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
55% |
| Return on Assets ? |
0.81%
+3.6% YoY
+7.0% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
3.70%
+14.5% YoY
+2.7% QoQ
|
+0.03% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
52% |
| Efficiency Ratio ? |
66.10%
-4.8% YoY
-1.0% QoQ
|
+3.47% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
37% |
| Delinquency Rate ? |
0.16%
+18.2% YoY
+19.6% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
85.83%
+4.4% YoY
+1.9% QoQ
|
+2.77% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
20.61%
+7.8% YoY
-2.7% QoQ
|
-0.44% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.60%
+10.5% YoY
+0.6% QoQ
|
+1.10% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
11.93%
+3.1% YoY
-0.1% QoQ
|
+1.68% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.29%
-14.6% YoY
+21.8% QoQ
|
-0.45% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Credit Risk Growth
risk
#54 of 642 · Bottom 8% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Credit Quality Pressure
risk
#77 of 808 · Bottom 9% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
Flatlined Growth
risk
#71 of 245 · Bottom 29% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.81%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.60%
(Tier avg: 0.50%, 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
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
56
56th pctile
Total Loans
Current: $787.6M · Tier avg: $975.5M
55
55th pctile
Total Deposits
Current: $917.6M · Tier avg: $1.2B
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.61% · Tier avg: 21.05%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
52
52th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.83% · Tier avg: 83.06%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.93% · Tier avg: 10.24%
37
37th pctile
Efficiency Ratio
Current: 66.10% · Tier avg: 62.63%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.50%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.60% · Tier avg: 0.50%
22
22th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.74%
25
25th pctile
Return on Assets
Current: 0.81% · Tier avg: 1.16%
37
37th pctile
Efficiency Ratio
Current: 66.10% · Tier avg: 62.63%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.93% · Tier avg: 10.24%
47
47th pctile
Loan-to-Deposit Ratio
Current: 85.83% · Tier avg: 83.06%
52
52th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
53
53th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.61% · Tier avg: 21.05%
55
55th pctile
Total Deposits
Current: $917.6M · Tier avg: $1.2B
56
56th pctile
Total Loans
Current: $787.6M · Tier avg: $975.5M
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%