BlastPoint's Banking Scorecard
America's Community Bank
Micro
Specialty: Commercial
MO
FDIC cert 8893
Designations: ✓ Community bank
Blue Springs, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
America's Community Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 47.74% above tier
- - Non-Interest Income / Assets 0.51% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.8M
+22.1% YoY
+8.2% QoQ
|
-$155.7M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$56.9M
+26.3% YoY
+7.5% QoQ
|
-$82.3M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$46.5M
+11.4% YoY
+2.9% QoQ
|
-$137.1M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
1.69%
+29.3% YoY
+5.7% QoQ
|
+0.60% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.61%
+9.2% YoY
+0.0% QoQ
|
+0.76% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
55.21%
-13.4% YoY
-3.4% QoQ
|
-12.51% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
80% |
| 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 ? |
122.27%
+13.4% YoY
+4.4% QoQ
|
+47.74% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.15%
-20.5% YoY
-3.3% QoQ
|
-5.24% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.98%
-12.9% YoY
-7.6% QoQ
|
+0.53% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
20% |
| 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 ? |
0.05%
-35.3% YoY
+26.0% QoQ
|
-0.51% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Bottom 3% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
122.27%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
0.05%
(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%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
80
80th pctile
Efficiency Ratio
Current: 55.21% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.15% · Tier avg: 22.39%
23
23th pctile
Total Loans
Current: $56.9M · Tier avg: $139.2M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
11
11th pctile
Total Assets
Current: $61.8M · Tier avg: $217.5M
9
9th pctile
Total Deposits
Current: $46.5M · Tier avg: $183.7M
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
1
1th pctile
Loan-to-Deposit Ratio
Current: 122.27% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 122.27% · Tier avg: 74.53%
3
3th pctile
Non-Interest Income / Assets
Current: 0.05% · Tier avg: 0.56%
9
9th pctile
Total Deposits
Current: $46.5M · Tier avg: $183.7M
11
11th pctile
Total Assets
Current: $61.8M · Tier avg: $217.5M
20
20th pctile
Nonperforming Asset Ratio
Current: 0.98% · Tier avg: 0.45%
23
23th pctile
Total Loans
Current: $56.9M · Tier avg: $139.2M
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.15% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Efficiency Ratio
Current: 55.21% · Tier avg: 67.73%
82
82th pctile
Return on Assets
Current: 1.69% · Tier avg: 1.08%
82
82th pctile
Net Interest Margin
Current: 4.61% · Tier avg: 3.85%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%