BlastPoint's Banking Scorecard
Community Bank of Memphis
Micro
Specialty: Agricultural
MO
FDIC cert 35094
Designations: ✓ Community bank
Memphis, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Bank of Memphis shows strong momentum with 3 strengths and 18.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 28.78% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$63.4M
+18.9% YoY
+6.2% QoQ
|
-$154.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$25.0M
-4.5% YoY
-7.3% QoQ
|
-$114.2M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$54.7M
+19.8% YoY
+6.6% QoQ
|
-$129.0M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 12% in tier |
| Return on Assets ? |
1.09%
+52.6% YoY
+6.6% QoQ
|
+0.01% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.35%
+8.3% YoY
+2.1% QoQ
|
-0.51% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
54.80%
-18.2% YoY
-2.8% QoQ
|
-12.93% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
45.75%
-20.3% YoY
-13.1% QoQ
|
-28.78% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
32.41%
+4.2% YoY
-2.5% QoQ
|
+10.02% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
84% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
0.12%
-24.0% YoY
+19.7% QoQ
|
-0.44% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 10% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
45.75%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.75% · Tier avg: 74.53%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.41% · Tier avg: 22.39%
82
82th pctile
Efficiency Ratio
Current: 54.80% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
12
12th pctile
Total Deposits
Current: $54.7M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $63.4M · Tier avg: $217.5M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
9
9th pctile
Total Loans
Current: $25.0M · Tier avg: $139.2M
Top Weaknesses
9
9th pctile
Total Loans
Current: $25.0M · Tier avg: $139.2M
10
10th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.56%
11
11th pctile
Total Assets
Current: $63.4M · Tier avg: $217.5M
12
12th pctile
Total Deposits
Current: $54.7M · Tier avg: $183.7M
27
27th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.09% · Tier avg: 1.08%
82
82th pctile
Efficiency Ratio
Current: 54.80% · Tier avg: 67.73%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.41% · Tier avg: 22.39%
90
90th pctile
Loan-to-Deposit Ratio
Current: 45.75% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%