BlastPoint's Banking Scorecard
The Bank of Advance
Community
Specialty: Agricultural
MO
FDIC cert 9369
Advance, MO
1484
banks in Community tier nationally
62 in MO
View Community leaderboard (MO) →
The Bank of Advance shows strong momentum with 1 strength and 8.2% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 46% in Community
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 ? |
$526.4M
+8.2% YoY
+5.3% QoQ
|
-$865.1M |
$1.4B
+2.0% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$395.4M
+5.6% YoY
-0.3% QoQ
|
-$580.1M |
$975.5M
+2.4% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$458.8M
+8.2% YoY
+7.4% QoQ
|
-$705.9M |
$1.2B
+1.7% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
2.23%
+1.7% YoY
-3.9% 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 ? |
4.63%
+6.8% YoY
+0.2% QoQ
|
+0.96% |
3.66%
+9.1% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 10% in tier |
| Efficiency Ratio ? |
50.03%
-5.0% YoY
+0.8% QoQ
|
-12.61% |
62.63%
-5.3% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
84% |
| Delinquency Rate ? |
1.63%
+100.1% YoY
+124.4% QoQ
|
+1.01% |
0.63%
+18.3% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
86.18%
-2.3% YoY
-7.1% QoQ
|
+3.12% |
83.06%
+0.3% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
46% |
| Non-Interest-Bearing Deposit Share ? |
16.77%
+5.5% YoY
-3.2% QoQ
|
-4.27% |
21.05%
-0.9% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.35%
+102.9% YoY
+118.3% QoQ
|
+0.85% |
0.50%
+20.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 12% in tier |
| 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 ? |
0.57%
-8.3% YoY
+28.2% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#170 of 371 · Top 46% 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
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
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.16%
90
90th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.66%
84
84th pctile
Efficiency Ratio
Current: 50.03% · Tier avg: 62.63%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.18% · Tier avg: 83.06%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.77% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
14
14th pctile
Total Loans
Current: $395.4M · Tier avg: $975.5M
13
13th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.63%
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
7
7th pctile
Total Deposits
Current: $458.8M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $526.4M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $526.4M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $458.8M · Tier avg: $1.2B
12
12th pctile
Nonperforming Asset Ratio
Current: 1.35% · Tier avg: 0.50%
13
13th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.63%
14
14th pctile
Total Loans
Current: $395.4M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 16.77% · Tier avg: 21.05%
46
46th pctile
Loan-to-Deposit Ratio
Current: 86.18% · Tier avg: 83.06%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
84
84th pctile
Efficiency Ratio
Current: 50.03% · Tier avg: 62.63%
90
90th pctile
Net Interest Margin
Current: 4.63% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.23% · Tier avg: 1.16%