BlastPoint's Banking Scorecard
Chelsea Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 15427
Designations: ✓ Community bank
Belle Plaine, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Chelsea Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.96% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$199.6M
+4.4% YoY
+1.3% QoQ
|
-$17.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
52% |
| Total Loans ? |
$82.5M
+21.9% YoY
+2.0% QoQ
|
-$56.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$176.9M
+2.5% YoY
+3.3% QoQ
|
-$6.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
1.59%
+59.8% YoY
+2.7% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.38%
+19.9% YoY
+0.5% QoQ
|
-0.48% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
46.77%
-21.5% YoY
+2.8% QoQ
|
-20.96% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? |
0.25%
-44.2% YoY
-2.4% QoQ
|
-0.39% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
46.67%
+19.0% YoY
-1.3% QoQ
|
-27.86% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
20.65%
+3.5% YoY
+12.0% QoQ
|
-1.74% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.10%
-34.8% YoY
-1.7% QoQ
|
-0.35% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
67% |
| 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 ? |
0.18%
-0.3% YoY
+87.7% QoQ
|
-0.38% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.77%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
93
93th pctile
Efficiency Ratio
Current: 46.77% · Tier avg: 67.73%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.67% · Tier avg: 74.53%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
53
53th pctile
Total Deposits
Current: $176.9M · Tier avg: $183.7M
52
52th pctile
Total Assets
Current: $199.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.65% · Tier avg: 22.39%
35
35th pctile
Total Loans
Current: $82.5M · Tier avg: $139.2M
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
Top Weaknesses
20
20th pctile
Non-Interest Income / Assets
Current: 0.18% · Tier avg: 0.56%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
35
35th pctile
Total Loans
Current: $82.5M · Tier avg: $139.2M
45
45th pctile
Non-Interest-Bearing Deposit Share
Current: 20.65% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Total Assets
Current: $199.6M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $176.9M · Tier avg: $183.7M
58
58th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.64%
67
67th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.67% · Tier avg: 74.53%
93
93th pctile
Efficiency Ratio
Current: 46.77% · Tier avg: 67.73%