BlastPoint's Banking Scorecard
Cedar Valley Bank & Trust
Micro
Specialty: Agricultural
IA
FDIC cert 14694
Designations: ✓ Community bank
La Porte City, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Cedar Valley Bank & Trust faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.14% above tier
- - Non-Interest Income / Assets 0.46% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$121.4M
+1.0% YoY
+1.0% QoQ
|
-$96.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$112.2M
+0.9% YoY
+1.1% QoQ
|
-$26.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$109.3M
+11.9% YoY
+19.5% QoQ
|
-$74.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.08%
+32.0% YoY
-10.1% QoQ
|
0 |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.18%
+12.1% YoY
+1.7% QoQ
|
+0.32% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
67% |
| Efficiency Ratio ? |
68.98%
-6.6% YoY
+4.4% QoQ
|
+1.26% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
43% |
| Delinquency Rate ? |
1.15%
+139.6% YoY
+11.0% QoQ
|
+0.51% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
102.66%
-9.8% YoY
-15.4% QoQ
|
+28.14% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.86%
-12.4% YoY
-17.7% QoQ
|
-3.53% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.07%
+111.3% YoY
+4.2% QoQ
|
+0.62% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
12.11%
+10.1% YoY
-0.6% QoQ
|
+3.25% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.11%
+17.0% YoY
+38.4% QoQ
|
-0.46% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
102.66%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(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
67
67th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.85%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
47
47th pctile
Total Loans
Current: $112.2M · Tier avg: $139.2M
43
43th pctile
Efficiency Ratio
Current: 68.98% · Tier avg: 67.73%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 22.39%
32
32th pctile
Total Deposits
Current: $109.3M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $121.4M · Tier avg: $217.5M
25
25th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.64%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.66% · Tier avg: 74.53%
Top Weaknesses
7
7th pctile
Loan-to-Deposit Ratio
Current: 102.66% · Tier avg: 74.53%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.07% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.64%
29
29th pctile
Total Assets
Current: $121.4M · Tier avg: $217.5M
32
32th pctile
Total Deposits
Current: $109.3M · Tier avg: $183.7M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.86% · Tier avg: 22.39%
43
43th pctile
Efficiency Ratio
Current: 68.98% · Tier avg: 67.73%
47
47th pctile
Total Loans
Current: $112.2M · Tier avg: $139.2M
52
52th pctile
Return on Assets
Current: 1.08% · Tier avg: 1.08%
59
59th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 8.85%
67
67th pctile
Net Interest Margin
Current: 4.18% · Tier avg: 3.85%