BlastPoint's Banking Scorecard
Twin Cedars Bank
Micro
Specialty: Commercial
IA
FDIC cert 1556
Designations: ✓ Community bank
Bussey, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Twin Cedars Bank shows stable performance across key metrics
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
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 ? |
$122.0M
+13.1% YoY
+0.7% QoQ
|
-$95.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
29% |
| Total Loans ? |
$97.3M
+15.2% YoY
-2.7% QoQ
|
-$41.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$105.4M
+14.8% YoY
+1.5% QoQ
|
-$78.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
30% |
| Return on Assets ? |
0.31%
+81.4% YoY
+21.1% QoQ
|
-0.77% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 12% in tier |
| Net Interest Margin ? |
4.46%
-3.2% YoY
-1.2% QoQ
|
+0.61% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
78% |
| Efficiency Ratio ? |
69.46%
-2.7% YoY
+2.2% QoQ
|
+1.73% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
41% |
| Delinquency Rate ? |
2.02%
+65.6% YoY
+17.1% QoQ
|
+1.38% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 13% in tier |
| Loan-to-Deposit Ratio ? |
92.31%
+0.4% YoY
-4.1% QoQ
|
+17.78% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
12.68%
-3.6% YoY
-2.7% QoQ
|
-9.71% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
1.62%
+69.3% YoY
+13.0% QoQ
|
+1.16% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
13.24%
-7.9% YoY
+3.4% QoQ
|
+4.38% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.17%
-23.3% YoY
+23.8% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
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
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.24% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $97.3M · Tier avg: $139.2M
41
41th pctile
Efficiency Ratio
Current: 69.46% · Tier avg: 67.73%
30
30th pctile
Total Deposits
Current: $105.4M · Tier avg: $183.7M
29
29th pctile
Total Assets
Current: $122.0M · Tier avg: $217.5M
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 74.53%
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.68% · Tier avg: 22.39%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
12
12th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.08%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.45%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.45%
12
12th pctile
Return on Assets
Current: 0.31% · Tier avg: 1.08%
13
13th pctile
Delinquency Rate
Current: 2.02% · Tier avg: 0.64%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.68% · Tier avg: 22.39%
17
17th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
19
19th pctile
Loan-to-Deposit Ratio
Current: 92.31% · Tier avg: 74.53%
29
29th pctile
Total Assets
Current: $122.0M · Tier avg: $217.5M
30
30th pctile
Total Deposits
Current: $105.4M · Tier avg: $183.7M
41
41th pctile
Efficiency Ratio
Current: 69.46% · Tier avg: 67.73%
42
42th pctile
Total Loans
Current: $97.3M · Tier avg: $139.2M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.24% · Tier avg: 8.85%
78
78th pctile
Net Interest Margin
Current: 4.46% · Tier avg: 3.85%