BlastPoint's Banking Scorecard
The Corner Stone Bank
Micro
Specialty: Other
MO
FDIC cert 9388
Designations: ✓ Community bank
South West City, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
The Corner Stone Bank shows strong momentum with 1 strength and 7.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.69% above 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 ? |
$202.9M
+7.1% YoY
+1.8% QoQ
|
-$14.6M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$158.9M
+12.3% YoY
+4.2% QoQ
|
+$19.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
63% |
| Total Deposits ? |
$176.1M
+6.2% YoY
+1.2% QoQ
|
-$7.5M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.50%
+31.3% YoY
-0.9% QoQ
|
+0.41% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
75% |
| Net Interest Margin ? |
5.54%
+8.0% YoY
+0.7% QoQ
|
+1.69% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
66.41%
-10.7% YoY
+2.1% QoQ
|
-1.32% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
1.34%
-11.2% YoY
-9.4% QoQ
|
+0.70% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
90.19%
+5.7% YoY
+2.9% QoQ
|
+15.67% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
21.76%
-4.1% YoY
+4.8% QoQ
|
-0.63% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
1.06%
-11.4% YoY
-7.3% QoQ
|
+0.61% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.66%
-1.1% YoY
+35.6% QoQ
|
+0.10% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
81% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 4%
in Micro
Why this stands out
Current:
5.54%
(Tier avg: 3.85%, National avg: 3.75%)
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
96
96th pctile
Net Interest Margin
Current: 5.54% · Tier avg: 3.85%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.19% · Tier avg: 74.53%
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.08%
63
63th pctile
Total Loans
Current: $158.9M · Tier avg: $139.2M
53
53th pctile
Total Deposits
Current: $176.1M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $202.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.76% · Tier avg: 22.39%
49
49th pctile
Efficiency Ratio
Current: 66.41% · Tier avg: 67.73%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.45%
Top Weaknesses
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
49
49th pctile
Efficiency Ratio
Current: 66.41% · Tier avg: 67.73%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 21.76% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Assets
Current: $202.9M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $176.1M · Tier avg: $183.7M
63
63th pctile
Total Loans
Current: $158.9M · Tier avg: $139.2M
75
75th pctile
Return on Assets
Current: 1.50% · Tier avg: 1.08%
78
78th pctile
Loan-to-Deposit Ratio
Current: 90.19% · Tier avg: 74.53%
81
81th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.56%
96
96th pctile
Net Interest Margin
Current: 5.54% · Tier avg: 3.85%