BlastPoint's Banking Scorecard
Tri-Valley Bank
Micro
Specialty: Agricultural
IA
FDIC cert 12417
Designations: ✓ Community bank
Randolph, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Tri-Valley Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.97% below tier
- - Efficiency Ratio 24.02% above tier
- - Delinquency Rate 3.64% above tier
- - Nonperforming Asset Ratio 2.43% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.3M
-5.9% YoY
-3.6% QoQ
|
-$137.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$54.1M
+5.1% YoY
+1.6% QoQ
|
-$85.1M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
22% |
| Total Deposits ? |
$74.6M
-6.0% YoY
-3.9% QoQ
|
-$109.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
19% |
| Return on Assets ? |
-0.88%
-608.3% YoY
+21.8% QoQ
|
-1.97% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 3% in tier |
| Net Interest Margin ? |
3.68%
-9.9% YoY
+5.6% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
91.75%
+22.7% YoY
-2.1% QoQ
|
+24.02% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
4.28%
-6.3% QoQ
|
+3.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
72.55%
+11.8% YoY
+5.8% QoQ
|
-1.98% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
26.33%
+2.8% YoY
+8.7% QoQ
|
+3.93% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
2.88%
-1.1% QoQ
|
+2.43% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.35%
+34.2% YoY
+39.0% QoQ
|
-0.21% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
49% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 3%
in Micro
Why this stands out
Current:
-0.88%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
91.75%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.28%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.88%
(Tier avg: 0.45%, National avg: 0.48%)
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
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.33% · Tier avg: 22.39%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.55% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
22
22th pctile
Total Loans
Current: $54.1M · Tier avg: $139.2M
19
19th pctile
Total Deposits
Current: $74.6M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.3M · Tier avg: $217.5M
8
8th pctile
Efficiency Ratio
Current: 91.75% · Tier avg: 67.73%
3
3th pctile
Return on Assets
Current: -0.88% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 4.28% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.88% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.88% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.28% · Tier avg: 0.64%
3
3th pctile
Return on Assets
Current: -0.88% · Tier avg: 1.08%
8
8th pctile
Efficiency Ratio
Current: 91.75% · Tier avg: 67.73%
16
16th pctile
Total Assets
Current: $80.3M · Tier avg: $217.5M
19
19th pctile
Total Deposits
Current: $74.6M · Tier avg: $183.7M
22
22th pctile
Total Loans
Current: $54.1M · Tier avg: $139.2M
43
43th pctile
Net Interest Margin
Current: 3.68% · Tier avg: 3.85%
49
49th pctile
Non-Interest Income / Assets
Current: 0.35% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Loan-to-Deposit Ratio
Current: 72.55% · Tier avg: 74.53%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.33% · Tier avg: 22.39%