BlastPoint's Banking Scorecard
St. Louis Bank
Community
Specialty: Commercial
MO
FDIC cert 58018
Saint Louis, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
St. Louis Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47% in Community
- - Nonperforming Asset Ratio 1.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
+6.7% YoY
+0.6% QoQ
|
-$372.7M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$852.1M
+8.9% YoY
+2.5% QoQ
|
-$123.4M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$905.5M
+7.4% YoY
+0.4% QoQ
|
-$259.1M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
0.98%
-0.0% YoY
+4.0% QoQ
|
-0.18% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
37% |
| Net Interest Margin ? |
3.45%
+2.6% YoY
+1.5% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
58.81%
-2.2% YoY
-1.5% QoQ
|
-3.82% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
1.94%
+129.0% YoY
-0.3% QoQ
|
+1.31% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
94.10%
+1.4% YoY
+2.0% QoQ
|
+11.03% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
15.20%
-11.9% YoY
+1.9% QoQ
|
-5.85% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
26% |
| Nonperforming Asset Ratio ? |
1.81%
+89.2% YoY
-1.3% QoQ
|
+1.31% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
10.28%
+3.0% YoY
+0.3% QoQ
|
+0.04% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.28%
-8.0% YoY
+1.5% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
21% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Liquidity Strain
risk
#240 of 513 · Bottom 47% 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:
94.10%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Bottom 7%
in Community
Why this stands out
Current:
1.81%
(Tier avg: 0.50%, 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
61
61th pctile
Efficiency Ratio
Current: 58.81% · Tier avg: 62.63%
61
61th pctile
Total Loans
Current: $852.1M · Tier avg: $975.5M
54
54th pctile
Total Deposits
Current: $905.5M · Tier avg: $1.2B
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.28% · Tier avg: 10.24%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.20% · Tier avg: 21.05%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.10% · Tier avg: 83.06%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
11
11th pctile
Delinquency Rate
Current: 1.94% · Tier avg: 0.63%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.50%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.81% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.94% · Tier avg: 0.63%
21
21th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.10% · Tier avg: 83.06%
26
26th pctile
Non-Interest-Bearing Deposit Share
Current: 15.20% · Tier avg: 21.05%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.28% · Tier avg: 10.24%
37
37th pctile
Return on Assets
Current: 0.98% · Tier avg: 1.16%
40
40th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
51
51th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
54
54th pctile
Total Deposits
Current: $905.5M · Tier avg: $1.2B
61
61th pctile
Total Loans
Current: $852.1M · Tier avg: $975.5M
61
61th pctile
Efficiency Ratio
Current: 58.81% · Tier avg: 62.63%