BlastPoint's Banking Scorecard
TPNB Bank
Micro
Specialty: Agricultural
MO
FDIC cert 4556
Designations: ✓ Community bank
Paris, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
TPNB Bank shows strong momentum with 2 strengths and 6.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% 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 ? |
$117.7M
+6.0% YoY
+7.6% QoQ
|
-$99.8M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
28% |
| Total Loans ? |
$67.4M
+10.1% YoY
+5.4% QoQ
|
-$71.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$98.8M
+5.5% YoY
+8.7% QoQ
|
-$84.9M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
0.78%
+55.3% YoY
-4.5% QoQ
|
-0.30% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
3.19%
+18.5% YoY
+0.7% QoQ
|
-0.66% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
22% |
| Efficiency Ratio ? |
64.96%
-14.6% YoY
-2.6% QoQ
|
-2.77% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
53% |
| 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 ? |
68.24%
+4.3% YoY
-3.0% QoQ
|
-6.28% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
35% |
| Non-Interest-Bearing Deposit Share ? |
25.01%
+28.8% YoY
+1.5% QoQ
|
+2.61% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
63% |
| 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 ? |
17.36%
-1.6% YoY
-2.3% QoQ
|
+8.51% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.24%
-1.5% YoY
+34.0% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.36% · Tier avg: 8.85%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.01% · Tier avg: 22.39%
53
53th pctile
Efficiency Ratio
Current: 64.96% · Tier avg: 67.73%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.24% · Tier avg: 74.53%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
28
28th pctile
Total Assets
Current: $117.7M · Tier avg: $217.5M
28
28th pctile
Total Deposits
Current: $98.8M · Tier avg: $183.7M
28
28th pctile
Total Loans
Current: $67.4M · Tier avg: $139.2M
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
Top Weaknesses
22
22th pctile
Net Interest Margin
Current: 3.19% · Tier avg: 3.85%
28
28th pctile
Total Loans
Current: $67.4M · Tier avg: $139.2M
28
28th pctile
Total Deposits
Current: $98.8M · Tier avg: $183.7M
28
28th pctile
Total Assets
Current: $117.7M · Tier avg: $217.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
32
32th pctile
Return on Assets
Current: 0.78% · Tier avg: 1.08%
35
35th pctile
Loan-to-Deposit Ratio
Current: 68.24% · Tier avg: 74.53%
53
53th pctile
Efficiency Ratio
Current: 64.96% · Tier avg: 67.73%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.01% · Tier avg: 22.39%
80
80th pctile
Tier 1 Capital Ratio
Current: 17.36% · Tier avg: 8.85%
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%