BlastPoint's Banking Scorecard
Four States Bank
Micro
Specialty: Commercial
MO
FDIC cert 59352
Designations: ✓ Community bank
Carthage, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Four States Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.40% below tier
- - Efficiency Ratio 43.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.3M
+82.8% YoY
+18.1% QoQ
|
-$122.2M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
21% |
| Total Loans ? |
$69.8M
+210.1% YoY
+24.5% QoQ
|
-$69.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$71.5M
+144.2% YoY
+22.6% QoQ
|
-$112.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
-1.32%
+70.2% YoY
+1.5% QoQ
|
-2.40% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
4.36%
+163.5% YoY
-1.3% QoQ
|
+0.51% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
75% |
| Efficiency Ratio ? |
111.42%
-66.6% YoY
+3.0% QoQ
|
+43.69% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
97.60%
+27.0% YoY
+1.5% QoQ
|
+23.07% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.58%
+16.7% YoY
+28.6% QoQ
|
-9.82% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
-9.7% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (2)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.32%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
111.42%
(Tier avg: 67.73%, National avg: 65.09%)
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
75
75th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Total Loans
Current: $69.8M · Tier avg: $139.2M
21
21th pctile
Total Assets
Current: $95.3M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.5M · Tier avg: $183.7M
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.58% · Tier avg: 22.39%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.60% · Tier avg: 74.53%
2
2th pctile
Efficiency Ratio
Current: 111.42% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.32% · Tier avg: 1.08%
Top Weaknesses
2
2th pctile
Return on Assets
Current: -1.32% · Tier avg: 1.08%
2
2th pctile
Efficiency Ratio
Current: 111.42% · Tier avg: 67.73%
12
12th pctile
Loan-to-Deposit Ratio
Current: 97.60% · Tier avg: 74.53%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.58% · Tier avg: 22.39%
18
18th pctile
Total Deposits
Current: $71.5M · Tier avg: $183.7M
21
21th pctile
Total Assets
Current: $95.3M · Tier avg: $217.5M
29
29th pctile
Total Loans
Current: $69.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
75
75th pctile
Net Interest Margin
Current: 4.36% · Tier avg: 3.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%