BlastPoint's Banking Scorecard
Leighton State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 10118
Designations: ✓ Community bank
Pella, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Leighton State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.62% 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 (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$290.9M
+4.3% YoY
+3.3% QoQ
|
+$73.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$211.2M
+4.4% YoY
+1.2% QoQ
|
+$72.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$246.7M
+4.4% YoY
+3.5% QoQ
|
+$63.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
70% |
| Return on Assets ? |
1.36%
+9.3% YoY
-0.5% QoQ
|
+0.28% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.35%
+6.4% YoY
+2.2% QoQ
|
-0.50% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
28% |
| Efficiency Ratio ? |
64.76%
-2.2% YoY
+0.6% QoQ
|
-2.97% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? |
0.97%
-32.9% YoY
-31.7% QoQ
|
+0.33% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
30% |
| Loan-to-Deposit Ratio ? |
85.61%
-0.0% YoY
-2.2% QoQ
|
+11.08% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
10.68%
+0.1% YoY
-4.5% QoQ
|
-11.71% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
0.88%
-15.5% YoY
-15.8% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.06%
+1.8% YoY
+0.2% QoQ
|
+5.21% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
1.18%
+4.2% YoY
+29.8% QoQ
|
+0.62% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.18%
(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
94
94th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.56%
77
77th pctile
Total Loans
Current: $211.2M · Tier avg: $139.2M
71
71th pctile
Total Assets
Current: $290.9M · Tier avg: $217.5M
70
70th pctile
Total Deposits
Current: $246.7M · Tier avg: $183.7M
68
68th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 8.85%
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
54
54th pctile
Efficiency Ratio
Current: 64.76% · Tier avg: 67.73%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.61% · Tier avg: 74.53%
30
30th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
28
28th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.68% · Tier avg: 22.39%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.68% · Tier avg: 22.39%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
28
28th pctile
Net Interest Margin
Current: 3.35% · Tier avg: 3.85%
30
30th pctile
Delinquency Rate
Current: 0.97% · Tier avg: 0.64%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.61% · Tier avg: 74.53%
54
54th pctile
Efficiency Ratio
Current: 64.76% · Tier avg: 67.73%
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.06% · Tier avg: 8.85%
70
70th pctile
Total Deposits
Current: $246.7M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $290.9M · Tier avg: $217.5M
77
77th pctile
Total Loans
Current: $211.2M · Tier avg: $139.2M
94
94th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.56%