BlastPoint's Banking Scorecard
Table Rock Community Bank
Community
Specialty: Commercial
MO
FDIC cert 58300
Kimberling City, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Table Rock Community Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 6% in Community
- + Non-Interest-Bearing Deposit Share 30.88% above tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 14% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$542.6M
+32.8% YoY
+10.6% QoQ
|
-$848.9M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$396.2M
+40.8% YoY
+11.9% QoQ
|
-$579.3M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$480.4M
+35.9% YoY
+12.2% QoQ
|
-$684.2M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 10% in tier |
| Return on Assets ? |
1.04%
+182.9% YoY
-4.3% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
43% |
| Net Interest Margin ? |
3.30%
+2.0% YoY
+0.3% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
58.19%
-28.3% YoY
+1.6% QoQ
|
-4.44% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
63% |
| Delinquency Rate ? |
0.13%
+73.4% YoY
+217.4% QoQ
|
-0.50% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
82.48%
+3.6% YoY
-0.3% QoQ
|
-0.59% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
51.92%
+423.7% YoY
+3.2% QoQ
|
+30.88% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 1% in tier |
| Nonperforming Asset Ratio ? |
0.09%
+83.8% YoY
+221.1% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
10.34%
+5.4% YoY
-8.6% QoQ
|
+0.10% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
32% |
| Non-Interest Income / Assets ? |
0.28%
+0.9% YoY
+30.7% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#25 of 371 · Top 6% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Top 1%
in Community
Why this stands out
Current:
51.92%
(Tier avg: 21.05%, National avg: 21.79%)
Concerns (1)
Credit Quality Pressure
risk
#111 of 808 · Bottom 14% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.13%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 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
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 51.92% · Tier avg: 21.05%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
63
63th pctile
Efficiency Ratio
Current: 58.19% · Tier avg: 62.63%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.48% · Tier avg: 83.06%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.34% · Tier avg: 10.24%
31
31th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
14
14th pctile
Total Loans
Current: $396.2M · Tier avg: $975.5M
10
10th pctile
Total Deposits
Current: $480.4M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $542.6M · Tier avg: $1.4B
Top Weaknesses
6
6th pctile
Total Assets
Current: $542.6M · Tier avg: $1.4B
10
10th pctile
Total Deposits
Current: $480.4M · Tier avg: $1.2B
14
14th pctile
Total Loans
Current: $396.2M · Tier avg: $975.5M
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
31
31th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.66%
32
32th pctile
Tier 1 Capital Ratio
Current: 10.34% · Tier avg: 10.24%
43
43th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
56
56th pctile
Loan-to-Deposit Ratio
Current: 82.48% · Tier avg: 83.06%
63
63th pctile
Efficiency Ratio
Current: 58.19% · Tier avg: 62.63%
79
79th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.63%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.50%
99
99th pctile
Non-Interest-Bearing Deposit Share
Current: 51.92% · Tier avg: 21.05%