BlastPoint's Banking Scorecard
Putnam County State Bank
Micro
Specialty: Agricultural
MO
FDIC cert 22895
Designations: ✓ Community bank
Unionville, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Putnam County State Bank shows strong momentum with 1 strength and 12.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 31.47% below tier
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 ? |
$313.7M
+12.6% YoY
+5.7% QoQ
|
+$96.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$239.1M
+4.3% YoY
+4.4% QoQ
|
+$99.9M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$268.8M
+14.6% YoY
+6.0% QoQ
|
+$85.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
75% |
| Return on Assets ? |
1.82%
+1.0% YoY
-8.6% QoQ
|
+0.74% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.87%
+4.7% YoY
-1.4% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
36.25%
-1.9% YoY
+10.1% QoQ
|
-31.47% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.37%
-47.0% YoY
+10.4% QoQ
|
-0.27% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
88.96%
-9.0% YoY
-1.6% QoQ
|
+14.43% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
21.17%
+25.2% YoY
+14.3% QoQ
|
-1.23% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.28%
-50.9% YoY
+9.1% QoQ
|
-0.17% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
50% |
| 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 ? |
0.24%
-13.6% YoY
+28.4% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
30% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
36.25%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Efficiency Ratio
Current: 36.25% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
83
83th pctile
Total Loans
Current: $239.1M · Tier avg: $139.2M
75
75th pctile
Total Deposits
Current: $268.8M · Tier avg: $183.7M
75
75th pctile
Total Assets
Current: $313.7M · Tier avg: $217.5M
53
53th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.17% · Tier avg: 22.39%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.96% · Tier avg: 74.53%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 88.96% · Tier avg: 74.53%
30
30th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.17% · Tier avg: 22.39%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.28% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Delinquency Rate
Current: 0.37% · Tier avg: 0.64%
53
53th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
75
75th pctile
Total Assets
Current: $313.7M · Tier avg: $217.5M
75
75th pctile
Total Deposits
Current: $268.8M · Tier avg: $183.7M
83
83th pctile
Total Loans
Current: $239.1M · Tier avg: $139.2M
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
99
99th pctile
Efficiency Ratio
Current: 36.25% · Tier avg: 67.73%