BlastPoint's Banking Scorecard
Maxwell State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 15930
Designations: ✓ Community bank
Maxwell, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Maxwell State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.24% below tier
Key Concerns
Areas that may need attention
- - Return on Assets 3.01% below tier
- - Efficiency Ratio 98.85% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$27.5M
+16.4% YoY
+4.2% QoQ
|
-$190.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$8.9M
+23.0% YoY
+0.0% QoQ
|
-$130.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$23.8M
+8.8% YoY
+5.8% QoQ
|
-$159.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
-1.93%
+78.7% YoY
-10.9% QoQ
|
-3.01% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 1% in tier |
| Net Interest Margin ? |
2.94%
+6.9% YoY
-0.5% QoQ
|
-0.92% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 14% in tier |
| Efficiency Ratio ? |
166.58%
+16.3% YoY
+4.0% QoQ
|
+98.85% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 1% in tier |
| Delinquency Rate ? |
0.54%
-20.4% YoY
|
-0.10% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
37.28%
+13.1% YoY
-5.5% QoQ
|
-37.24% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.32%
+1.0% YoY
-16.5% QoQ
|
-3.07% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.17%
-15.9% YoY
|
-0.28% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
59% |
| Tier 1 Capital Ratio ? |
20.17%
+63.9% YoY
-21.4% QoQ
|
+11.32% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.08%
-26.8% YoY
+69.7% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
37.28%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (3)
Return on Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
-1.93%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
166.58%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.28% · Tier avg: 74.53%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.17% · Tier avg: 8.85%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.32% · Tier avg: 22.39%
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
3
3th pctile
Total Deposits
Current: $23.8M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $8.9M · Tier avg: $139.2M
2
2th pctile
Total Assets
Current: $27.5M · Tier avg: $217.5M
1
1th pctile
Return on Assets
Current: -1.93% · Tier avg: 1.08%
0
0th pctile
Efficiency Ratio
Current: 166.58% · Tier avg: 67.73%
Top Weaknesses
0
0th pctile
Efficiency Ratio
Current: 166.58% · Tier avg: 67.73%
1
1th pctile
Return on Assets
Current: -1.93% · Tier avg: 1.08%
2
2th pctile
Total Assets
Current: $27.5M · Tier avg: $217.5M
3
3th pctile
Total Loans
Current: $8.9M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $23.8M · Tier avg: $183.7M
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
14
14th pctile
Net Interest Margin
Current: 2.94% · Tier avg: 3.85%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 19.32% · Tier avg: 22.39%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.64%
59
59th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.45%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.17% · Tier avg: 8.85%
95
95th pctile
Loan-to-Deposit Ratio
Current: 37.28% · Tier avg: 74.53%