BlastPoint's Banking Scorecard
The Maries County Bank
Community
Specialty: Agricultural
MO
FDIC cert 8576
Vienna, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
The Maries County Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 17% in Community
- - Credit Risk Growth: Bottom 25% in Community
- - Flatlined Growth: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$607.1M
+0.5% YoY
+1.1% QoQ
|
-$784.3M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
15% |
| Total Loans ? |
$359.4M
+5.5% YoY
+1.7% QoQ
|
-$616.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$525.9M
-0.8% YoY
+0.8% QoQ
|
-$638.7M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.06%
+96.5% YoY
+2.6% QoQ
|
-0.11% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
44% |
| Net Interest Margin ? |
3.91%
+15.9% YoY
+1.3% QoQ
|
+0.25% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
67.22%
-14.7% YoY
-2.9% QoQ
|
+4.59% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
0.25%
+131.2% YoY
-17.4% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
68.33%
+6.3% YoY
+0.8% QoQ
|
-14.74% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
17.26%
+7.4% YoY
-1.8% QoQ
|
-3.79% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.15%
-31.4% YoY
-17.0% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.68%
+3.5% YoY
+31.3% QoQ
|
-0.06% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
68% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#75 of 432 · Bottom 17% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#163 of 642 · Bottom 25% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Flatlined Growth
risk
#108 of 245 · Bottom 44% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.06%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
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
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.26% · Tier avg: 21.05%
34
34th pctile
Efficiency Ratio
Current: 67.22% · Tier avg: 62.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.33% · Tier avg: 83.06%
17
17th pctile
Total Deposits
Current: $525.9M · Tier avg: $1.2B
15
15th pctile
Total Assets
Current: $607.1M · Tier avg: $1.4B
9
9th pctile
Total Loans
Current: $359.4M · Tier avg: $975.5M
Top Weaknesses
9
9th pctile
Total Loans
Current: $359.4M · Tier avg: $975.5M
15
15th pctile
Total Assets
Current: $607.1M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $525.9M · Tier avg: $1.2B
18
18th pctile
Loan-to-Deposit Ratio
Current: 68.33% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
34
34th pctile
Efficiency Ratio
Current: 67.22% · Tier avg: 62.63%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.26% · Tier avg: 21.05%
44
44th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.16%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
66
66th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.66%
68
68th pctile
Non-Interest Income / Assets
Current: 0.68% · Tier avg: 0.74%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.15% · Tier avg: 0.50%