BlastPoint's Banking Scorecard
TS Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14812
Designations: ✓ Community bank
Treynor, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
TS Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.13% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$437.2M
-6.1% YoY
+0.8% QoQ
|
+$219.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 7% in tier |
| Total Loans ? |
$212.9M
+1.2% YoY
+4.2% QoQ
|
+$73.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
77% |
| Total Deposits ? |
$403.5M
-7.0% YoY
-1.5% QoQ
|
+$219.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.74%
+96.1% YoY
+6.9% QoQ
|
-0.35% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
30% |
| Net Interest Margin ? |
2.66%
+0.5% YoY
-0.2% QoQ
|
-1.19% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
75.05%
-8.4% YoY
-1.6% QoQ
|
+7.32% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.34%
+266.3% YoY
+114.7% QoQ
|
+0.70% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
52.76%
+8.8% YoY
+5.8% QoQ
|
-21.76% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
9.10%
-1.4% YoY
+7.8% QoQ
|
-13.29% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 10% in tier |
| Nonperforming Asset Ratio ? |
1.19%
+47.2% YoY
+16.5% QoQ
|
+0.74% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
16% |
| Tier 1 Capital Ratio ? |
11.52%
+15.4% YoY
-0.4% QoQ
|
+2.67% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
1.69%
-7.0% YoY
+73.8% QoQ
|
+1.13% |
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:
1.69%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.66%
(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
97
97th pctile
Total Deposits
Current: $403.5M · Tier avg: $183.7M
96
96th pctile
Non-Interest Income / Assets
Current: 1.69% · Tier avg: 0.56%
93
93th pctile
Total Assets
Current: $437.2M · Tier avg: $217.5M
77
77th pctile
Total Loans
Current: $212.9M · Tier avg: $139.2M
57
57th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 8.85%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 75.05% · Tier avg: 67.73%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.76% · Tier avg: 74.53%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.10% · Tier avg: 22.39%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
10
10th pctile
Non-Interest-Bearing Deposit Share
Current: 9.10% · Tier avg: 22.39%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
16
16th pctile
Loan-to-Deposit Ratio
Current: 52.76% · Tier avg: 74.53%
22
22th pctile
Delinquency Rate
Current: 1.34% · Tier avg: 0.64%
28
28th pctile
Efficiency Ratio
Current: 75.05% · Tier avg: 67.73%
30
30th pctile
Return on Assets
Current: 0.74% · Tier avg: 1.08%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.52% · Tier avg: 8.85%
77
77th pctile
Total Loans
Current: $212.9M · Tier avg: $139.2M
93
93th pctile
Total Assets
Current: $437.2M · Tier avg: $217.5M
96
96th pctile
Non-Interest Income / Assets
Current: 1.69% · Tier avg: 0.56%
97
97th pctile
Total Deposits
Current: $403.5M · Tier avg: $183.7M