BlastPoint's Banking Scorecard
The State Bank
Micro
Specialty: Other
IA
FDIC cert 13715
Designations: ✓ Community bank
Spirit Lake, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$88.8M
+7.8% YoY
-0.4% QoQ
|
-$128.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$42.8M
+0.0% YoY
+3.4% QoQ
|
-$96.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$81.1M
+6.2% YoY
-0.6% QoQ
|
-$102.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
22% |
| Return on Assets ? |
0.58%
-41.4% YoY
-22.0% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.70%
+1.4% YoY
+2.1% QoQ
|
-1.15% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
76.65%
-8.2% YoY
+10.2% QoQ
|
+8.92% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.85%
-5.8% YoY
+4.0% QoQ
|
-21.68% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
84% |
| Non-Interest-Bearing Deposit Share ? |
15.67%
+0.4% YoY
+5.1% QoQ
|
-6.72% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.51%
+0.4% QoQ
|
+0.05% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
37% |
| 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%
-23.0% YoY
+54.6% QoQ
|
-0.37% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
22% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.70%
(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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.85% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
26
26th pctile
Efficiency Ratio
Current: 76.65% · Tier avg: 67.73%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.67% · Tier avg: 22.39%
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
22
22th pctile
Total Deposits
Current: $81.1M · Tier avg: $183.7M
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
19
19th pctile
Total Assets
Current: $88.8M · Tier avg: $217.5M
16
16th pctile
Total Loans
Current: $42.8M · Tier avg: $139.2M
8
8th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.70% · Tier avg: 3.85%
16
16th pctile
Total Loans
Current: $42.8M · Tier avg: $139.2M
19
19th pctile
Total Assets
Current: $88.8M · Tier avg: $217.5M
22
22th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
22
22th pctile
Total Deposits
Current: $81.1M · Tier avg: $183.7M
22
22th pctile
Non-Interest Income / Assets
Current: 0.19% · Tier avg: 0.56%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.67% · Tier avg: 22.39%
26
26th pctile
Efficiency Ratio
Current: 76.65% · Tier avg: 67.73%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.51% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
84
84th pctile
Loan-to-Deposit Ratio
Current: 52.85% · Tier avg: 74.53%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%