BlastPoint's Banking Scorecard
Story Bank DBA Story Financial Partners
Community
Specialty: Commercial
MS
FDIC cert 57069
Jackson, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Story Bank DBA Story Financial Partners has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 45% in Community
- + Nonperforming Asset Ratio 0.49% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1% in Community
- - Credit Risk Growth: Bottom 16% in Community
- - Liquidity Strain: Bottom 36% in Community
- - NIB Deposit Bleed: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$988.6M
+8.8% YoY
+8.6% QoQ
|
-$402.8M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$840.0M
+5.3% YoY
+4.4% QoQ
|
-$135.5M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
60% |
| Total Deposits ? |
$870.2M
+9.3% YoY
+10.5% QoQ
|
-$294.4M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.82%
+21.4% YoY
+2.7% QoQ
|
-0.35% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
26% |
| Net Interest Margin ? |
3.62%
+8.3% YoY
+0.0% QoQ
|
-0.05% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
48% |
| Efficiency Ratio ? |
72.10%
-4.9% YoY
-1.2% QoQ
|
+9.47% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.01%
+230.7% YoY
-1.1% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
96.52%
-3.7% YoY
-5.5% QoQ
|
+13.46% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
16.27%
-17.7% YoY
-9.4% QoQ
|
-4.77% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
0.01%
+220.1% YoY
-4.9% QoQ
|
-0.49% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
Top 6% in tier |
| Tier 1 Capital Ratio ? |
12.08%
+0.1% YoY
-4.6% QoQ
|
+1.84% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.54%
-10.4% YoY
+18.3% QoQ
|
-0.20% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
53% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#169 of 371 · Top 45% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Nonperforming Asset Ratio
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (4)
Credit Quality Pressure
risk
#5 of 808 · Bottom 1% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.01%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#101 of 642 · Bottom 16% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#185 of 513 · Bottom 36% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
96.52%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
NIB Deposit Bleed
decline
#35 of 89 · Bottom 39% in Community
Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Why this signature
Noninterest-Bearing Deposit Share:
16.27%
(Tier: 21.05%, National: 21.79%)
89 of 89 Community banks match
·
98 nationally
→ Stable
-10 banks QoQ
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
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
60
60th pctile
Total Loans
Current: $840.0M · Tier avg: $975.5M
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
52
52th pctile
Total Deposits
Current: $870.2M · Tier avg: $1.2B
49
49th pctile
Total Assets
Current: $988.6M · Tier avg: $1.4B
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 10.24%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.27% · Tier avg: 21.05%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
23
23th pctile
Efficiency Ratio
Current: 72.10% · Tier avg: 62.63%
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.52% · Tier avg: 83.06%
Top Weaknesses
20
20th pctile
Loan-to-Deposit Ratio
Current: 96.52% · Tier avg: 83.06%
23
23th pctile
Efficiency Ratio
Current: 72.10% · Tier avg: 62.63%
26
26th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.16%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 16.27% · Tier avg: 21.05%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.08% · Tier avg: 10.24%
48
48th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.66%
49
49th pctile
Total Assets
Current: $988.6M · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $870.2M · Tier avg: $1.2B
53
53th pctile
Non-Interest Income / Assets
Current: 0.54% · Tier avg: 0.74%
60
60th pctile
Total Loans
Current: $840.0M · Tier avg: $975.5M
94
94th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.50%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%