BlastPoint's Banking Scorecard
SULLIVAN BANK
Community
Specialty: Commercial
MO
FDIC cert 8892
Sullivan, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
SULLIVAN BANK faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 12.36% below tier
- - Nonperforming Asset Ratio 1.27% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+11.7% YoY
+0.1% QoQ
|
-$86.6M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
63% |
| Total Loans ? |
$1.1B
+10.5% YoY
+2.8% QoQ
|
+$135.4M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.2B
+12.1% YoY
+1.1% QoQ
|
-$8.0M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
66% |
| Return on Assets ? |
1.13%
-0.1% YoY
+2.9% QoQ
|
-0.03% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.33%
+3.9% YoY
+1.6% QoQ
|
-0.34% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
57.33%
+4.8% YoY
-0.0% QoQ
|
-5.31% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
1.77%
+40.8% YoY
+31.2% QoQ
|
+1.14% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
96.05%
-1.4% YoY
+1.7% QoQ
|
+12.98% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
8.69%
+7.7% YoY
+3.4% QoQ
|
-12.36% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
1.77%
+21.7% YoY
+3.9% QoQ
|
+1.27% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% in tier |
| Tier 1 Capital Ratio ? |
11.52%
-6.4% YoY
+0.7% QoQ
|
+1.28% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
42% |
| Non-Interest Income / Assets ? |
0.39%
-1.9% YoY
+37.0% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Community
Why this stands out
Current:
8.69%
(Tier avg: 21.05%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
1.77%
(Tier avg: 0.50%, National avg: 0.48%)
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
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.05% · Tier avg: 83.06%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Efficiency Ratio
Current: 57.33% · Tier avg: 62.63%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
12
12th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.63%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.77% · Tier avg: 0.50%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.69% · Tier avg: 21.05%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 8.69% · Tier avg: 21.05%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.77% · Tier avg: 0.50%
12
12th pctile
Delinquency Rate
Current: 1.77% · Tier avg: 0.63%
32
32th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.66%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
42
42th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 10.24%
51
51th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.16%
63
63th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
66
66th pctile
Efficiency Ratio
Current: 57.33% · Tier avg: 62.63%
66
66th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
79
79th pctile
Loan-to-Deposit Ratio
Current: 96.05% · Tier avg: 83.06%