BlastPoint's Banking Scorecard
Bridge Community Bank
Micro
Specialty: Agricultural
IA
FDIC cert 12717
Designations: ✓ Community bank
Mount Vernon, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Bridge Community Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.36% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.0M
+16.8% YoY
+2.7% QoQ
|
-$69.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$96.5M
+2.8% YoY
+1.9% QoQ
|
-$42.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$124.4M
+16.3% YoY
+1.1% QoQ
|
-$59.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
0.66%
-43.3% YoY
+552.9% QoQ
|
-0.43% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
25% |
| Net Interest Margin ? |
2.50%
-28.5% YoY
+47.6% QoQ
|
-1.36% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
42.27%
-30.8% YoY
+16.1% QoQ
|
-25.45% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.03%
+40.3% QoQ
|
-0.61% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
78% |
| Loan-to-Deposit Ratio ? |
77.52%
-11.5% YoY
+0.8% QoQ
|
+2.99% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
24.19%
-16.8% YoY
+0.3% QoQ
|
+1.80% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.02%
+39.1% QoQ
|
-0.43% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
79% |
| 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 ? |
0.19%
-66.2% YoY
+128.1% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.27%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.50%
(Tier avg: 3.85%, National avg: 3.75%)
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
97
97th pctile
Efficiency Ratio
Current: 42.27% · Tier avg: 67.73%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.19% · Tier avg: 22.39%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.52% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $96.5M · Tier avg: $139.2M
37
37th pctile
Total Assets
Current: $148.0M · Tier avg: $217.5M
37
37th pctile
Total Deposits
Current: $124.4M · Tier avg: $183.7M
25
25th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.85%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.50% · Tier avg: 3.85%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.08%
37
37th pctile
Total Deposits
Current: $124.4M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $148.0M · Tier avg: $217.5M
42
42th pctile
Total Loans
Current: $96.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Loan-to-Deposit Ratio
Current: 77.52% · Tier avg: 74.53%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 24.19% · Tier avg: 22.39%
78
78th pctile
Delinquency Rate
Current: 0.03% · Tier avg: 0.64%
79
79th pctile
Nonperforming Asset Ratio
Current: 0.02% · Tier avg: 0.45%
97
97th pctile
Efficiency Ratio
Current: 42.27% · Tier avg: 67.73%