BlastPoint's Banking Scorecard
State Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14773
Designations: ✓ Community bank
Bedford, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
State Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.85% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.31% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$196.3M
+5.4% YoY
+2.9% QoQ
|
-$21.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$179.7M
+6.2% YoY
+5.7% QoQ
|
+$40.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$169.8M
+5.2% YoY
+2.5% QoQ
|
-$13.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
51% |
| Return on Assets ? |
1.46%
+21.5% YoY
+2.5% QoQ
|
+0.38% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
4.06%
-2.5% YoY
+1.8% QoQ
|
+0.20% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
43.88%
-1.3% YoY
+1.2% QoQ
|
-23.85% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.63%
+169.6% YoY
+12.2% QoQ
|
-0.01% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
105.84%
+0.9% YoY
+3.1% QoQ
|
+31.31% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.98%
+2.6% YoY
+2.5% QoQ
|
-1.41% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.57%
+171.6% YoY
+15.4% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
0.25%
+12.6% YoY
+45.2% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
43.88%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Micro
Why this stands out
Current:
105.84%
(Tier avg: 74.53%, National avg: 78.04%)
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
Efficiency Ratio
Current: 43.88% · Tier avg: 67.73%
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
69
69th pctile
Total Loans
Current: $179.7M · Tier avg: $139.2M
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
51
51th pctile
Total Deposits
Current: $169.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $196.3M · Tier avg: $217.5M
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.98% · Tier avg: 22.39%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.84% · Tier avg: 74.53%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 105.84% · Tier avg: 74.53%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.63% · Tier avg: 0.64%
47
47th pctile
Non-Interest-Bearing Deposit Share
Current: 20.98% · Tier avg: 22.39%
51
51th pctile
Total Assets
Current: $196.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Deposits
Current: $169.8M · Tier avg: $183.7M
61
61th pctile
Net Interest Margin
Current: 4.06% · Tier avg: 3.85%
69
69th pctile
Total Loans
Current: $179.7M · Tier avg: $139.2M
73
73th pctile
Return on Assets
Current: 1.46% · Tier avg: 1.08%
96
96th pctile
Efficiency Ratio
Current: 43.88% · Tier avg: 67.73%