BlastPoint's Banking Scorecard
Danville State Savings Bank
Micro
Specialty: Other
IA
FDIC cert 14772
Designations: ✓ Community bank
New London, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Danville State Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.93% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.12% below tier
- - Delinquency Rate 1.85% above tier
- - Nonperforming Asset Ratio 1.32% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$177.9M
+1.1% YoY
+1.1% QoQ
|
-$39.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
45% |
| Total Loans ? |
$105.9M
+2.7% YoY
-0.6% QoQ
|
-$33.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
45% |
| Total Deposits ? |
$153.9M
+0.7% YoY
+1.2% QoQ
|
-$29.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
46% |
| Return on Assets ? |
0.70%
+53.3% YoY
-7.7% QoQ
|
-0.39% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
27% |
| Net Interest Margin ? |
2.74%
+10.6% YoY
+1.8% QoQ
|
-1.12% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
76.04%
-7.1% YoY
+0.4% QoQ
|
+8.32% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
2.49%
-9.3% YoY
-12.2% QoQ
|
+1.85% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 9% in tier |
| Loan-to-Deposit Ratio ? |
68.82%
+2.0% YoY
-1.8% QoQ
|
-5.71% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
15.06%
+1.3% YoY
+1.4% QoQ
|
-7.33% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.78%
+10.6% YoY
-11.8% QoQ
|
+1.32% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 8% 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 ? |
1.49%
+8.7% YoY
+29.7% QoQ
|
+0.93% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.49%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.74%
(Tier avg: 3.85%, National avg: 3.75%)
Delinquency Rate
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.49%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
1.78%
(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
96
96th pctile
Non-Interest Income / Assets
Current: 1.49% · Tier avg: 0.56%
63
63th pctile
Loan-to-Deposit Ratio
Current: 68.82% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Total Deposits
Current: $153.9M · Tier avg: $183.7M
45
45th pctile
Total Assets
Current: $177.9M · Tier avg: $217.5M
45
45th pctile
Total Loans
Current: $105.9M · Tier avg: $139.2M
27
27th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
27
27th pctile
Efficiency Ratio
Current: 76.04% · Tier avg: 67.73%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.06% · Tier avg: 22.39%
9
9th pctile
Delinquency Rate
Current: 2.49% · Tier avg: 0.64%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.45%
Top Weaknesses
8
8th pctile
Nonperforming Asset Ratio
Current: 1.78% · Tier avg: 0.45%
9
9th pctile
Net Interest Margin
Current: 2.74% · Tier avg: 3.85%
9
9th pctile
Delinquency Rate
Current: 2.49% · Tier avg: 0.64%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 15.06% · Tier avg: 22.39%
27
27th pctile
Efficiency Ratio
Current: 76.04% · Tier avg: 67.73%
27
27th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.08%
45
45th pctile
Total Loans
Current: $105.9M · Tier avg: $139.2M
45
45th pctile
Total Assets
Current: $177.9M · Tier avg: $217.5M
46
46th pctile
Total Deposits
Current: $153.9M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
63
63th pctile
Loan-to-Deposit Ratio
Current: 68.82% · Tier avg: 74.53%
96
96th pctile
Non-Interest Income / Assets
Current: 1.49% · Tier avg: 0.56%