BlastPoint's Banking Scorecard
Commercial Trust Company of Fayette
Micro
Specialty: Other
MO
FDIC cert 9791
Designations: ✓ Community bank
Fayette, MO
2498
banks in Micro tier nationally
125 in MO
View Micro leaderboard (MO) →
Commercial Trust Company of Fayette demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.44% 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 ? |
$150.2M
+1.0% YoY
-5.2% QoQ
|
-$67.3M |
$217.5M
+2.3% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$105.5M
+1.8% YoY
-0.9% QoQ
|
-$33.7M |
$139.2M
+2.8% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$132.1M
+1.8% YoY
-5.5% QoQ
|
-$51.6M |
$183.7M
+1.8% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
1.36%
-5.6% YoY
+1.2% QoQ
|
+0.27% |
1.08%
+14.7% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.70%
+7.6% YoY
+1.6% QoQ
|
-0.16% |
3.85%
+6.6% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
44% |
| Efficiency Ratio ? |
71.60%
+7.5% YoY
+1.1% QoQ
|
+3.88% |
67.73%
-4.8% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.46%
-3.8% YoY
-1.7% QoQ
|
-0.18% |
0.64%
+24.4% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
79.87%
+0.0% YoY
+4.9% QoQ
|
+5.35% |
74.53%
+0.5% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
18.23%
+18.0% YoY
+12.3% QoQ
|
-4.16% |
22.39%
-1.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.32%
-3.0% YoY
+2.7% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
48% |
| 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 ? |
1.00%
+19.9% YoY
+36.1% QoQ
|
+0.44% |
0.56%
+0.3% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
Top 8% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 8%
in Micro
Why this stands out
Current:
1.00%
(Tier avg: 0.56%, National avg: 0.65%)
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
92
92th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.56%
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
45
45th pctile
Total Loans
Current: $105.5M · Tier avg: $139.2M
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.87% · Tier avg: 74.53%
40
40th pctile
Total Deposits
Current: $132.1M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $150.2M · Tier avg: $217.5M
36
36th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 67.73%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.23% · Tier avg: 22.39%
Top Weaknesses
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 18.23% · Tier avg: 22.39%
36
36th pctile
Efficiency Ratio
Current: 71.60% · Tier avg: 67.73%
38
38th pctile
Total Assets
Current: $150.2M · Tier avg: $217.5M
40
40th pctile
Total Deposits
Current: $132.1M · Tier avg: $183.7M
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.87% · Tier avg: 74.53%
44
44th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.85%
45
45th pctile
Total Loans
Current: $105.5M · Tier avg: $139.2M
47
47th pctile
Delinquency Rate
Current: 0.46% · Tier avg: 0.64%
48
48th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
92
92th pctile
Non-Interest Income / Assets
Current: 1.00% · Tier avg: 0.56%