BlastPoint's Banking Scorecard
Community Bank of Missouri
Micro
Specialty: Commercial
MO
FDIC cert 57141
Designations: ✓ Community bank
Richmond, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Bank of Missouri shows strong momentum with 1 strength and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.83% above 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 ? |
$91.1M
+9.7% YoY
+2.6% QoQ
|
-$126.4M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$61.3M
+14.1% YoY
+7.8% QoQ
|
-$77.8M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$78.1M
+10.2% YoY
+3.2% QoQ
|
-$105.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.49%
-9.6% YoY
-13.8% QoQ
|
+0.40% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
5.68%
-2.3% YoY
+2.0% QoQ
|
+1.83% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 3% in tier |
| Efficiency Ratio ? |
66.08%
+3.9% YoY
+11.0% QoQ
|
-1.64% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
1.27%
-25.4% YoY
-7.0% QoQ
|
+0.63% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
78.51%
+3.6% YoY
+4.5% QoQ
|
+3.98% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
25.64%
-1.1% YoY
+1.8% QoQ
|
+3.24% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.85%
-22.4% YoY
-2.3% QoQ
|
+0.40% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
16.89%
-7.8% YoY
-2.4% QoQ
|
+8.04% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
79% |
| Non-Interest Income / Assets ? |
0.55%
+4.8% YoY
+25.3% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 3%
in Micro
Why this stands out
Current:
5.68%
(Tier avg: 3.85%, National avg: 3.75%)
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
97
97th pctile
Net Interest Margin
Current: 5.68% · Tier avg: 3.85%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.89% · Tier avg: 8.85%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.64% · Tier avg: 22.39%
50
50th pctile
Efficiency Ratio
Current: 66.08% · Tier avg: 67.73%
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.51% · Tier avg: 74.53%
25
25th pctile
Total Loans
Current: $61.3M · Tier avg: $139.2M
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
23
23th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.64%
21
21th pctile
Total Deposits
Current: $78.1M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $91.1M · Tier avg: $217.5M
Top Weaknesses
20
20th pctile
Total Assets
Current: $91.1M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.1M · Tier avg: $183.7M
23
23th pctile
Delinquency Rate
Current: 1.27% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
25
25th pctile
Total Loans
Current: $61.3M · Tier avg: $139.2M
46
46th pctile
Loan-to-Deposit Ratio
Current: 78.51% · Tier avg: 74.53%
50
50th pctile
Efficiency Ratio
Current: 66.08% · Tier avg: 67.73%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.64% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
74
74th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.08%
79
79th pctile
Tier 1 Capital Ratio
Current: 16.89% · Tier avg: 8.85%
97
97th pctile
Net Interest Margin
Current: 5.68% · Tier avg: 3.85%