BlastPoint's Banking Scorecard
Bloomsdale Bank
Micro
Specialty: Commercial
MO
FDIC cert 9788
Designations: ✓ Community bank
Bloomsdale, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Bloomsdale Bank shows strong momentum with 2 strengths and 8.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.91% above tier
- + Efficiency Ratio 19.86% 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 ? |
$372.6M
+8.1% YoY
+3.1% QoQ
|
+$155.1M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$252.6M
+7.0% YoY
+1.8% QoQ
|
+$113.4M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Top 15% in tier |
| Total Deposits ? |
$341.8M
+8.8% YoY
+3.0% QoQ
|
+$158.2M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 11% in tier |
| Return on Assets ? |
2.00%
+28.2% YoY
+4.9% QoQ
|
+0.91% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
3.89%
+6.3% YoY
+1.2% QoQ
|
+0.03% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
47.87%
-8.4% YoY
-1.2% QoQ
|
-19.86% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.44%
+5.6% YoY
-6.0% QoQ
|
-0.20% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
73.89%
-1.7% YoY
-1.2% QoQ
|
-0.64% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
55% |
| Non-Interest-Bearing Deposit Share ? |
27.47%
+16.0% YoY
+0.4% QoQ
|
+5.08% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
72% |
| Nonperforming Asset Ratio ? |
0.30%
+4.6% YoY
-7.1% QoQ
|
-0.15% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.18%
+3.7% YoY
+1.1% QoQ
|
+3.33% |
8.85%
-3.4% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.29%
+10.3% YoY
+35.0% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.00%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
47.87%
(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
93
93th pctile
Efficiency Ratio
Current: 47.87% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
89
89th pctile
Total Deposits
Current: $341.8M · Tier avg: $183.7M
85
85th pctile
Total Loans
Current: $252.6M · Tier avg: $139.2M
84
84th pctile
Total Assets
Current: $372.6M · Tier avg: $217.5M
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 22.39%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.18% · Tier avg: 8.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.89% · Tier avg: 74.53%
54
54th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.85%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
Top Weaknesses
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
48
48th pctile
Delinquency Rate
Current: 0.44% · Tier avg: 0.64%
49
49th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.45%
54
54th pctile
Net Interest Margin
Current: 3.89% · Tier avg: 3.85%
55
55th pctile
Loan-to-Deposit Ratio
Current: 73.89% · Tier avg: 74.53%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.18% · Tier avg: 8.85%
72
72th pctile
Non-Interest-Bearing Deposit Share
Current: 27.47% · Tier avg: 22.39%
84
84th pctile
Total Assets
Current: $372.6M · Tier avg: $217.5M
85
85th pctile
Total Loans
Current: $252.6M · Tier avg: $139.2M
89
89th pctile
Total Deposits
Current: $341.8M · Tier avg: $183.7M
91
91th pctile
Return on Assets
Current: 2.00% · Tier avg: 1.08%
93
93th pctile
Efficiency Ratio
Current: 47.87% · Tier avg: 67.73%