BlastPoint's Banking Scorecard
F & C Bank
Micro
Specialty: Agricultural
MO
FDIC cert 9378
Designations: ✓ Community bank
Holden, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
F & C Bank shows strong momentum with 3 strengths and 12.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.15% above tier
- + Net Interest Margin 1.45% above tier
- + Efficiency Ratio 20.77% 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 ? |
$467.5M
+12.0% YoY
+6.7% QoQ
|
+$250.0M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$402.2M
+13.5% YoY
+5.6% QoQ
|
+$263.0M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 1% in tier |
| Total Deposits ? |
$408.1M
+11.7% YoY
+5.8% QoQ
|
+$224.4M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
2.24%
-5.0% YoY
+3.0% QoQ
|
+1.15% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.31%
+6.9% YoY
+1.0% QoQ
|
+1.45% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
46.95%
-6.7% YoY
-2.1% QoQ
|
-20.77% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.22%
-19.6% YoY
+97.1% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
98.55%
+1.6% YoY
-0.2% QoQ
|
+24.02% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 11% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.69%
+6.7% YoY
+8.9% QoQ
|
-3.71% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.19%
-18.4% YoY
+95.1% QoQ
|
-0.26% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
57% |
| 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 ? |
0.48%
-10.9% YoY
+29.1% QoQ
|
-0.08% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 6%
in Micro
Why this stands out
Current:
2.24%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.31%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.95%
(Tier avg: 67.73%, National avg: 65.09%)
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
99
99th pctile
Total Loans
Current: $402.2M · Tier avg: $139.2M
97
97th pctile
Total Deposits
Current: $408.1M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $467.5M · Tier avg: $217.5M
94
94th pctile
Net Interest Margin
Current: 5.31% · Tier avg: 3.85%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 46.95% · Tier avg: 67.73%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.69% · Tier avg: 22.39%
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.55% · Tier avg: 74.53%
Top Weaknesses
11
11th pctile
Loan-to-Deposit Ratio
Current: 98.55% · Tier avg: 74.53%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.69% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.45%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
67
67th pctile
Non-Interest Income / Assets
Current: 0.48% · Tier avg: 0.56%
93
93th pctile
Efficiency Ratio
Current: 46.95% · Tier avg: 67.73%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.08%
94
94th pctile
Net Interest Margin
Current: 5.31% · Tier avg: 3.85%
96
96th pctile
Total Assets
Current: $467.5M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $408.1M · Tier avg: $183.7M
99
99th pctile
Total Loans
Current: $402.2M · Tier avg: $139.2M