BlastPoint's Banking Scorecard
Community Bank of Pleasant Hill
Micro
Specialty: Commercial
MO
FDIC cert 58423
Designations: ✓ Community bank
Pleasant Hill, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Community Bank of Pleasant Hill demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.95% 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 ? |
$142.8M
+0.8% YoY
+1.8% QoQ
|
-$74.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
35% |
| Total Loans ? |
$50.7M
+27.9% YoY
+4.9% QoQ
|
-$88.5M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
20% |
| Total Deposits ? |
$134.9M
-1.2% YoY
+1.4% QoQ
|
-$48.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
41% |
| Return on Assets ? |
1.10%
+34.3% YoY
+4.6% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
3.03%
+24.9% YoY
+4.3% QoQ
|
-0.83% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
65.85%
-5.6% YoY
-0.9% QoQ
|
-1.87% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.05%
+190.4% YoY
+65.3% QoQ
|
-0.59% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
37.60%
+29.5% YoY
+3.4% QoQ
|
-36.92% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
31.01%
+21.7% YoY
-1.2% QoQ
|
+8.62% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.02%
+268.4% YoY
+70.3% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
79% |
| Tier 1 Capital Ratio ? |
23.50%
-4.3% YoY
+3.5% QoQ
|
+14.65% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
1.51%
+7.6% YoY
+36.4% QoQ
|
+0.95% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Non-Interest Income as a share of assets is in the top decile of tier peers. Fee and service revenue meaningfully diversifies away from rate-spread dependence.
Why this stands out
Current:
1.51%
(Tier avg: 0.56%, National avg: 0.65%)
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
96
96th pctile
Non-Interest Income / Assets
Current: 1.51% · Tier avg: 0.56%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.60% · Tier avg: 74.53%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.50% · Tier avg: 8.85%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.01% · Tier avg: 22.39%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
51
51th pctile
Efficiency Ratio
Current: 65.85% · Tier avg: 67.73%
41
41th pctile
Total Deposits
Current: $134.9M · Tier avg: $183.7M
35
35th pctile
Total Assets
Current: $142.8M · Tier avg: $217.5M
20
20th pctile
Total Loans
Current: $50.7M · Tier avg: $139.2M
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
Top Weaknesses
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
20
20th pctile
Total Loans
Current: $50.7M · Tier avg: $139.2M
35
35th pctile
Total Assets
Current: $142.8M · Tier avg: $217.5M
41
41th pctile
Total Deposits
Current: $134.9M · Tier avg: $183.7M
51
51th pctile
Efficiency Ratio
Current: 65.85% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
75
75th pctile
Delinquency Rate
Current: 0.05% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
82
82th pctile
Non-Interest-Bearing Deposit Share
Current: 31.01% · Tier avg: 22.39%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.50% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.60% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.51% · Tier avg: 0.56%