BlastPoint's Banking Scorecard
Bank 21
Micro
Specialty: Commercial
MO
FDIC cert 8560
Designations: ✓ Community bank
Carrollton, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bank 21 shows strong momentum with 3 strengths and 13.8% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.43% above tier
- + Net Interest Margin 1.52% above tier
- + Loan-to-Deposit Ratio 35.42% 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 ? |
$195.9M
+13.8% YoY
-0.2% QoQ
|
-$21.6M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$173.5M
+16.2% YoY
+0.2% QoQ
|
+$34.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$157.8M
+9.2% YoY
+0.0% QoQ
|
-$25.8M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
2.52%
+25.0% YoY
+0.0% QoQ
|
+1.43% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
5.38%
+9.3% YoY
-0.3% QoQ
|
+1.52% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 5% in tier |
| Efficiency Ratio ? |
50.92%
-8.8% YoY
+1.1% QoQ
|
-16.80% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.04%
-34.8% YoY
-85.7% QoQ
|
-0.60% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
109.94%
+6.4% YoY
+0.1% QoQ
|
+35.42% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.85%
+5.6% YoY
+4.9% QoQ
|
+1.45% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.81%
-40.7% YoY
-21.6% QoQ
|
+0.36% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.23%
-0.3% YoY
+3.3% QoQ
|
+3.38% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.23%
-49.8% YoY
+51.5% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
28% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.52%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 5%
in Micro
Why this stands out
Current:
5.38%
(Tier avg: 3.85%, National avg: 3.75%)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
109.94%
(Tier avg: 74.53%, National avg: 78.04%)
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
97
97th pctile
Loan-to-Deposit Ratio
Current: 109.94% · Tier avg: 74.53%
97
97th pctile
Return on Assets
Current: 2.52% · Tier avg: 1.08%
95
95th pctile
Net Interest Margin
Current: 5.38% · Tier avg: 3.85%
88
88th pctile
Efficiency Ratio
Current: 50.92% · Tier avg: 67.73%
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
67
67th pctile
Total Loans
Current: $173.5M · Tier avg: $139.2M
60
60th pctile
Tier 1 Capital Ratio
Current: 12.23% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.85% · Tier avg: 22.39%
50
50th pctile
Total Assets
Current: $195.9M · Tier avg: $217.5M
48
48th pctile
Total Deposits
Current: $157.8M · Tier avg: $183.7M
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
Top Weaknesses
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.45%
28
28th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
48
48th pctile
Total Deposits
Current: $157.8M · Tier avg: $183.7M
50
50th pctile
Total Assets
Current: $195.9M · Tier avg: $217.5M
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.85% · Tier avg: 22.39%
60
60th pctile
Tier 1 Capital Ratio
Current: 12.23% · Tier avg: 8.85%
67
67th pctile
Total Loans
Current: $173.5M · Tier avg: $139.2M
76
76th pctile
Delinquency Rate
Current: 0.04% · Tier avg: 0.64%
88
88th pctile
Efficiency Ratio
Current: 50.92% · Tier avg: 67.73%
95
95th pctile
Net Interest Margin
Current: 5.38% · Tier avg: 3.85%
97
97th pctile
Return on Assets
Current: 2.52% · Tier avg: 1.08%
97
97th pctile
Loan-to-Deposit Ratio
Current: 109.94% · Tier avg: 74.53%