BlastPoint's Banking Scorecard
Security Bank of Southwest Missouri
Micro
Specialty: Other
MO
FDIC cert 26520
Designations: ✓ Community bank
Cassville, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Security Bank of Southwest Missouri has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.78% above tier
- + Efficiency Ratio 23.29% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.16% above tier
- - Nonperforming Asset Ratio 1.85% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.8M
+6.7% YoY
+0.8% QoQ
|
-$75.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$116.6M
+8.9% YoY
+5.9% QoQ
|
-$22.6M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$124.0M
+5.6% YoY
+0.5% QoQ
|
-$59.7M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
2.86%
+12.4% YoY
-0.5% QoQ
|
+1.78% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
4.79%
+6.6% YoY
+0.5% QoQ
|
+0.94% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
44.43%
-7.6% YoY
+0.1% QoQ
|
-23.29% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
2.80%
-5.9% YoY
-4.9% QoQ
|
+2.16% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
94.04%
+3.1% YoY
+5.4% QoQ
|
+19.52% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
17.12%
+0.6% YoY
+3.7% QoQ
|
-5.27% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
2.31%
-4.0% YoY
-0.1% QoQ
|
+1.85% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 5% 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 ? |
0.80%
+0.3% YoY
+29.2% QoQ
|
+0.24% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.86%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
44.43%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.80%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
2.31%
(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
98
98th pctile
Return on Assets
Current: 2.86% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 44.43% · Tier avg: 67.73%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
87
87th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $116.6M · Tier avg: $139.2M
37
37th pctile
Total Deposits
Current: $124.0M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $141.8M · Tier avg: $217.5M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.12% · Tier avg: 22.39%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.04% · Tier avg: 74.53%
8
8th pctile
Delinquency Rate
Current: 2.80% · Tier avg: 0.64%
5
5th pctile
Nonperforming Asset Ratio
Current: 2.31% · Tier avg: 0.45%
Top Weaknesses
5
5th pctile
Nonperforming Asset Ratio
Current: 2.31% · Tier avg: 0.45%
8
8th pctile
Delinquency Rate
Current: 2.80% · Tier avg: 0.64%
16
16th pctile
Loan-to-Deposit Ratio
Current: 94.04% · Tier avg: 74.53%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.12% · Tier avg: 22.39%
35
35th pctile
Total Assets
Current: $141.8M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $124.0M · Tier avg: $183.7M
48
48th pctile
Total Loans
Current: $116.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
87
87th pctile
Net Interest Margin
Current: 4.79% · Tier avg: 3.85%
87
87th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.56%
95
95th pctile
Efficiency Ratio
Current: 44.43% · Tier avg: 67.73%
98
98th pctile
Return on Assets
Current: 2.86% · Tier avg: 1.08%