BlastPoint's Banking Scorecard
The Nodaway Valley Bank
Community
Specialty: Commercial
MO
FDIC cert 8904
Maryville, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
The Nodaway Valley Bank shows strong momentum with 4 strengths and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39% in Community
- + Revenue Diversifier: Top 41% in Community
- + Delinquency Rate 0.62% below tier
- + Nonperforming Asset Ratio 0.50% below 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 ? |
$1.5B
+8.2% YoY
+2.7% QoQ
|
+$147.1M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.0B
+8.9% YoY
+2.0% QoQ
|
+$44.7M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$1.3B
+6.5% YoY
+2.1% QoQ
|
+$141.4M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
2.23%
+4.1% YoY
-2.2% QoQ
|
+1.06% |
1.16%
+17.2% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
4.34%
+3.5% YoY
+0.7% QoQ
|
+0.68% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
82% |
| Efficiency Ratio ? |
53.82%
-1.5% YoY
+2.4% QoQ
|
-8.81% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.00%
-86.8% YoY
-2.0% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Top 5% in tier |
| Loan-to-Deposit Ratio ? |
78.11%
+2.3% YoY
-0.1% QoQ
|
-4.95% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
28.57%
-2.9% YoY
-1.2% QoQ
|
+7.52% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
81% |
| Nonperforming Asset Ratio ? |
0.00%
-86.7% YoY
-2.6% QoQ
|
-0.50% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Top 5% in tier |
| Tier 1 Capital Ratio ? |
14.85%
-0.6% YoY
-1.8% QoQ
|
+4.61% |
10.24%
-0.6% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.81%
-7.4% YoY
+31.5% QoQ
|
+0.07% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
78% |
Signature Analysis
Strengths (4)
Profitability Leader
growth
#146 of 371 · Top 39% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.23%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#153 of 371 · Top 41% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
0.81%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.23%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Top 5%
in Community
Delinquency Rate is in the top decile (lowest) of tier peers. Past-due loans as a share of the book are materially cleaner than peers - underwriting and portfolio management are working.
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 5%
in Community
Non-Performing Asset Ratio is in the top decile (lowest) of tier peers. Problem credits are materially cleaner than similarly-sized banks - earnings less exposed to credit-cost shocks.
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
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
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.16%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.57% · Tier avg: 21.05%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.85% · Tier avg: 10.24%
75
75th pctile
Efficiency Ratio
Current: 53.82% · Tier avg: 62.63%
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.11% · Tier avg: 83.06%
Top Weaknesses
66
66th pctile
Loan-to-Deposit Ratio
Current: 78.11% · Tier avg: 83.06%
69
69th pctile
Total Loans
Current: $1.0B · Tier avg: $975.5M
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
75
75th pctile
Efficiency Ratio
Current: 53.82% · Tier avg: 62.63%
75
75th pctile
Tier 1 Capital Ratio
Current: 14.85% · Tier avg: 10.24%
78
78th pctile
Non-Interest Income / Assets
Current: 0.81% · Tier avg: 0.74%
81
81th pctile
Non-Interest-Bearing Deposit Share
Current: 28.57% · Tier avg: 21.05%
82
82th pctile
Net Interest Margin
Current: 4.34% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.16%
95
95th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
95
95th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%