BlastPoint's Banking Scorecard
Parkside Financial Bank & Trust
Community
Specialty: Commercial
MO
FDIC cert 58796
Clayton, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
Parkside Financial Bank & Trust has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 36% in Community
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 33% in Community
- - Liquidity Strain: Bottom 39% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-6.9% YoY
-6.7% QoQ
|
-$350.3M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$832.1M
+7.7% YoY
+4.6% QoQ
|
-$143.4M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$884.1M
-9.1% YoY
-8.2% QoQ
|
-$280.5M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
1.12%
+25.0% YoY
+12.1% QoQ
|
-0.04% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
4.10%
+3.9% YoY
+3.6% QoQ
|
+0.43% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
74% |
| Efficiency Ratio ? |
67.14%
+0.0% YoY
-2.5% QoQ
|
+4.51% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
35% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
94.12%
+18.4% YoY
+13.9% QoQ
|
+11.06% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
33.08%
+7.2% YoY
+20.6% QoQ
|
+12.03% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
12.74%
+2.2% YoY
-1.8% QoQ
|
+2.49% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
55% |
| Non-Interest Income / Assets ? |
1.47%
+24.1% YoY
+48.1% QoQ
|
+0.73% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (3)
Revenue Diversifier
growth
#134 of 371 · Top 36% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.47%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.12%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Capital Constraint
risk
#16 of 47 · Bottom 33% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
94.12%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.74%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
Liquidity Strain
risk
#203 of 513 · Bottom 39% 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:
94.12%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
93
93th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 0.74%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.08% · Tier avg: 21.05%
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
59
59th pctile
Total Loans
Current: $832.1M · Tier avg: $975.5M
55
55th pctile
Tier 1 Capital Ratio
Current: 12.74% · Tier avg: 10.24%
52
52th pctile
Total Deposits
Current: $884.1M · Tier avg: $1.2B
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
50
50th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
35
35th pctile
Efficiency Ratio
Current: 67.14% · Tier avg: 62.63%
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.12% · Tier avg: 83.06%
Top Weaknesses
25
25th pctile
Loan-to-Deposit Ratio
Current: 94.12% · Tier avg: 83.06%
35
35th pctile
Efficiency Ratio
Current: 67.14% · Tier avg: 62.63%
50
50th pctile
Return on Assets
Current: 1.12% · Tier avg: 1.16%
52
52th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $884.1M · Tier avg: $1.2B
55
55th pctile
Tier 1 Capital Ratio
Current: 12.74% · Tier avg: 10.24%
59
59th pctile
Total Loans
Current: $832.1M · Tier avg: $975.5M
74
74th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.66%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 33.08% · Tier avg: 21.05%
93
93th pctile
Non-Interest Income / Assets
Current: 1.47% · Tier avg: 0.74%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%