BlastPoint's Banking Scorecard
Verimore Bank
Community
Specialty: Commercial
MO
FDIC cert 28930
Brookfield, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Verimore Bank shows strong momentum with 1 strength and 37.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 31% in Community
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 ? |
$639.0M
+37.0% YoY
+2.5% QoQ
|
-$752.5M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$483.5M
+25.9% YoY
+1.2% QoQ
|
-$492.0M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$546.9M
+34.8% YoY
+2.8% QoQ
|
-$617.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.48%
-3.8% YoY
+8.7% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.00%
+6.3% YoY
+3.2% QoQ
|
+0.34% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
57.27%
-3.7% YoY
-0.3% QoQ
|
-5.36% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.08%
-10.1% YoY
-26.9% QoQ
|
-0.55% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
85% |
| Loan-to-Deposit Ratio ? |
88.41%
-6.5% YoY
-1.5% QoQ
|
+5.34% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
22.04%
+0.8% YoY
+0.2% QoQ
|
+1.00% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.06%
-17.4% YoY
-27.9% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? |
13.52%
+11.4% YoY
+0.9% QoQ
|
+3.27% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.22%
-14.0% YoY
+35.0% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#116 of 371 · Top 31% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.08%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
66
66th pctile
Efficiency Ratio
Current: 57.27% · Tier avg: 62.63%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.52% · Tier avg: 10.24%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.04% · Tier avg: 21.05%
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.41% · Tier avg: 83.06%
28
28th pctile
Total Loans
Current: $483.5M · Tier avg: $975.5M
21
21th pctile
Total Deposits
Current: $546.9M · Tier avg: $1.2B
20
20th pctile
Total Assets
Current: $639.0M · Tier avg: $1.4B
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
14
14th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
20
20th pctile
Total Assets
Current: $639.0M · Tier avg: $1.4B
21
21th pctile
Total Deposits
Current: $546.9M · Tier avg: $1.2B
28
28th pctile
Total Loans
Current: $483.5M · Tier avg: $975.5M
40
40th pctile
Loan-to-Deposit Ratio
Current: 88.41% · Tier avg: 83.06%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 22.04% · Tier avg: 21.05%
63
63th pctile
Tier 1 Capital Ratio
Current: 13.52% · Tier avg: 10.24%
66
66th pctile
Efficiency Ratio
Current: 57.27% · Tier avg: 62.63%
70
70th pctile
Net Interest Margin
Current: 4.00% · Tier avg: 3.66%
73
73th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.16%
85
85th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.06% · Tier avg: 0.50%