BlastPoint's Banking Scorecard
Southwest Missouri Bank
Community
Specialty: Other
MO
FDIC cert 22876
Carthage, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Southwest Missouri Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 24.84% below tier
- - Non-Interest-Bearing Deposit Share 12.84% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+6.1% YoY
+6.2% QoQ
|
-$157.8M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$625.2M
+8.7% YoY
+2.7% QoQ
|
-$350.3M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$1.1B
+4.4% YoY
+6.9% QoQ
|
-$90.9M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.97%
+56.6% YoY
+5.5% QoQ
|
-0.19% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
3.67%
+15.5% YoY
+0.7% QoQ
|
0 |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
70.60%
-3.5% YoY
-1.7% QoQ
|
+7.97% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? |
0.19%
-40.5% YoY
-13.6% QoQ
|
-0.44% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
58.22%
+4.1% YoY
-3.9% QoQ
|
-24.84% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.21%
-0.2% YoY
-14.3% QoQ
|
-12.84% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? |
0.10%
-39.1% YoY
-16.4% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
15.03%
+0.6% YoY
-0.1% QoQ
|
+4.78% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.94%
-13.7% YoY
+29.2% QoQ
|
+0.20% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
84% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
58.22%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.21%
(Tier avg: 21.05%, National avg: 21.79%)
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
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.74%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.03% · Tier avg: 10.24%
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
44
44th pctile
Total Loans
Current: $625.2M · Tier avg: $975.5M
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
26
26th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 62.63%
7
7th pctile
Loan-to-Deposit Ratio
Current: 58.22% · Tier avg: 83.06%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.21% · Tier avg: 21.05%
Top Weaknesses
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.21% · Tier avg: 21.05%
7
7th pctile
Loan-to-Deposit Ratio
Current: 58.22% · Tier avg: 83.06%
26
26th pctile
Efficiency Ratio
Current: 70.60% · Tier avg: 62.63%
36
36th pctile
Return on Assets
Current: 0.97% · Tier avg: 1.16%
44
44th pctile
Total Loans
Current: $625.2M · Tier avg: $975.5M
51
51th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.66%
61
61th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
62
62th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
71
71th pctile
Delinquency Rate
Current: 0.19% · Tier avg: 0.63%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.03% · Tier avg: 10.24%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
84
84th pctile
Non-Interest Income / Assets
Current: 0.94% · Tier avg: 0.74%