BlastPoint's Banking Scorecard
Progressive Ozark Bank
Micro
Specialty: Agricultural
MO
FDIC cert 31488
Salem, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Progressive Ozark Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.63% above tier
- + Non-Interest Income / Assets 0.50% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.21% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$189.3M
+8.3% YoY
-0.4% QoQ
|
-$28.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$156.2M
+2.9% YoY
+1.0% QoQ
|
+$17.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$169.7M
+12.2% YoY
-0.6% QoQ
|
-$13.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.95%
-4.2% YoY
-1.5% QoQ
|
+0.87% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 10% in tier |
| Net Interest Margin ? |
5.48%
+6.0% YoY
+0.7% QoQ
|
+1.63% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
63.65%
-1.9% YoY
-0.8% QoQ
|
-4.08% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
56% |
| Delinquency Rate ? |
2.01%
+292.3% YoY
+13.2% QoQ
|
+1.37% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
92.02%
-8.3% YoY
+1.6% QoQ
|
+17.49% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
22.49%
-5.5% YoY
+4.2% QoQ
|
+0.09% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
54% |
| Nonperforming Asset Ratio ? |
1.66%
+272.9% YoY
+14.7% QoQ
|
+1.21% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
12.75%
+1.5% YoY
-0.1% QoQ
|
+3.90% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
1.06%
-6.0% YoY
+34.7% QoQ
|
+0.50% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.48%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 7%
in Micro
Why this stands out
Current:
1.06%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 10%
in Micro
Why this stands out
Current:
1.66%
(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
95
95th pctile
Net Interest Margin
Current: 5.48% · Tier avg: 3.85%
93
93th pctile
Non-Interest Income / Assets
Current: 1.06% · Tier avg: 0.56%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 8.85%
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
56
56th pctile
Efficiency Ratio
Current: 63.65% · Tier avg: 67.73%
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.49% · Tier avg: 22.39%
51
51th pctile
Total Deposits
Current: $169.7M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $189.3M · Tier avg: $217.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.02% · Tier avg: 74.53%
13
13th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.64%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.66% · Tier avg: 0.45%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.66% · Tier avg: 0.45%
13
13th pctile
Delinquency Rate
Current: 2.01% · Tier avg: 0.64%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.02% · Tier avg: 74.53%
48
48th pctile
Total Assets
Current: $189.3M · Tier avg: $217.5M
51
51th pctile
Total Deposits
Current: $169.7M · Tier avg: $183.7M
54
54th pctile
Non-Interest-Bearing Deposit Share
Current: 22.49% · Tier avg: 22.39%
56
56th pctile
Efficiency Ratio
Current: 63.65% · Tier avg: 67.73%
62
62th pctile
Total Loans
Current: $156.2M · Tier avg: $139.2M
62
62th pctile
Tier 1 Capital Ratio
Current: 12.75% · Tier avg: 8.85%
90
90th pctile
Return on Assets
Current: 1.95% · Tier avg: 1.08%
93
93th pctile
Non-Interest Income / Assets
Current: 1.06% · Tier avg: 0.56%
95
95th pctile
Net Interest Margin
Current: 5.48% · Tier avg: 3.85%