BlastPoint's Banking Scorecard
Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 13735
Designations: ✓ Community bank
Primghar, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.18% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$292.9M
+5.0% YoY
-1.9% QoQ
|
+$75.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
71% |
| Total Loans ? |
$218.6M
+7.4% YoY
-1.4% QoQ
|
+$79.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$251.8M
+3.1% YoY
+1.0% QoQ
|
+$68.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.41%
+167.4% YoY
+8.6% QoQ
|
+0.33% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.33%
+22.4% YoY
+1.9% QoQ
|
-0.53% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
45.55%
-10.1% YoY
-2.9% QoQ
|
-22.18% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? |
0.61%
-66.1% YoY
-26.3% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
41% |
| Loan-to-Deposit Ratio ? |
86.82%
+4.2% YoY
-2.4% QoQ
|
+12.29% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
11.24%
-67.8% YoY
+27.5% QoQ
|
-11.15% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.88%
-46.4% YoY
-14.8% QoQ
|
+0.43% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
15.85%
+11.2% YoY
+4.6% QoQ
|
+7.00% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.09%
-52.6% YoY
+45.8% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.55%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
95
95th pctile
Efficiency Ratio
Current: 45.55% · Tier avg: 67.73%
78
78th pctile
Total Loans
Current: $218.6M · Tier avg: $139.2M
76
76th pctile
Tier 1 Capital Ratio
Current: 15.85% · Tier avg: 8.85%
71
71th pctile
Total Deposits
Current: $251.8M · Tier avg: $183.7M
71
71th pctile
Total Assets
Current: $292.9M · Tier avg: $217.5M
70
70th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.08%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.82% · Tier avg: 74.53%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.24% · Tier avg: 22.39%
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.24% · Tier avg: 22.39%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.45%
27
27th pctile
Net Interest Margin
Current: 3.33% · Tier avg: 3.85%
29
29th pctile
Loan-to-Deposit Ratio
Current: 86.82% · Tier avg: 74.53%
41
41th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
70
70th pctile
Return on Assets
Current: 1.41% · Tier avg: 1.08%
71
71th pctile
Total Assets
Current: $292.9M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $251.8M · Tier avg: $183.7M
76
76th pctile
Tier 1 Capital Ratio
Current: 15.85% · Tier avg: 8.85%
78
78th pctile
Total Loans
Current: $218.6M · Tier avg: $139.2M
95
95th pctile
Efficiency Ratio
Current: 45.55% · Tier avg: 67.73%