BlastPoint's Banking Scorecard
The Bank of Grain Valley
Micro
Specialty: Commercial
MO
FDIC cert 8564
Designations: ✓ Community bank
Grain Valley, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
The Bank of Grain Valley has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.07% above tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.7M
-1.5% YoY
+3.0% QoQ
|
-$109.8M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$67.3M
+2.6% YoY
-2.7% QoQ
|
-$71.9M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
28% |
| Total Deposits ? |
$83.2M
-3.6% YoY
+4.5% QoQ
|
-$100.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
2.15%
+1.9% YoY
-2.9% QoQ
|
+1.07% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.59%
+4.5% YoY
+0.4% QoQ
|
+0.74% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
81% |
| Efficiency Ratio ? |
51.94%
+2.0% YoY
+2.5% QoQ
|
-15.79% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 13% 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 ? |
80.93%
+6.5% YoY
-6.9% QoQ
|
+6.40% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
32.39%
+3.6% YoY
-5.5% QoQ
|
+10.00% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
84% |
| 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 ? |
0.06%
+52.3% YoY
+20.0% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.15%
(Tier avg: 1.08%, National avg: 1.12%)
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 (1)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
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%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.08%
87
87th pctile
Efficiency Ratio
Current: 51.94% · Tier avg: 67.73%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.39% · Tier avg: 22.39%
81
81th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 80.93% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
28
28th pctile
Total Loans
Current: $67.3M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $107.7M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.2M · Tier avg: $183.7M
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $83.2M · Tier avg: $183.7M
25
25th pctile
Total Assets
Current: $107.7M · Tier avg: $217.5M
28
28th pctile
Total Loans
Current: $67.3M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
60
60th pctile
Loan-to-Deposit Ratio
Current: 80.93% · Tier avg: 74.53%
81
81th pctile
Net Interest Margin
Current: 4.59% · Tier avg: 3.85%
84
84th pctile
Non-Interest-Bearing Deposit Share
Current: 32.39% · Tier avg: 22.39%
87
87th pctile
Efficiency Ratio
Current: 51.94% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.15% · Tier avg: 1.08%
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%