BlastPoint's Banking Scorecard
State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 16151
Designations: ✓ Community bank
Spencer, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.35% above 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 ? |
$74.0M
-4.8% YoY
+0.3% QoQ
|
-$143.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 14% in tier |
| Total Loans ? |
$49.2M
+1.6% YoY
+0.8% QoQ
|
-$90.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
19% |
| Total Deposits ? |
$67.1M
-5.2% YoY
+0.4% QoQ
|
-$116.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.18%
+4.7% YoY
-8.6% QoQ
|
+0.10% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.86%
+10.3% YoY
+2.1% QoQ
|
+0.01% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
72.51%
+0.7% YoY
+4.4% QoQ
|
+4.78% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
1.63%
+645.6% YoY
+644.2% QoQ
|
+0.99% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
73.21%
+7.1% YoY
+0.4% QoQ
|
-1.31% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
17.92%
-8.1% YoY
+9.6% QoQ
|
-4.47% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
1.09%
+695.7% YoY
+648.0% QoQ
|
+0.63% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
17% |
| Tier 1 Capital Ratio ? |
13.49%
+2.2% YoY
-1.6% QoQ
|
+4.64% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.91%
+1.0% YoY
+25.8% QoQ
|
+0.35% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.91%
(Tier avg: 0.56%, National avg: 0.65%)
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
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.49% · Tier avg: 8.85%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.21% · Tier avg: 74.53%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 22.39%
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
17
17th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.64%
16
16th pctile
Total Deposits
Current: $67.1M · Tier avg: $183.7M
14
14th pctile
Total Assets
Current: $74.0M · Tier avg: $217.5M
Top Weaknesses
14
14th pctile
Total Assets
Current: $74.0M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.1M · Tier avg: $183.7M
17
17th pctile
Delinquency Rate
Current: 1.63% · Tier avg: 0.64%
17
17th pctile
Nonperforming Asset Ratio
Current: 1.09% · Tier avg: 0.45%
19
19th pctile
Total Loans
Current: $49.2M · Tier avg: $139.2M
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.92% · Tier avg: 22.39%
34
34th pctile
Efficiency Ratio
Current: 72.51% · Tier avg: 67.73%
53
53th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.85%
56
56th pctile
Loan-to-Deposit Ratio
Current: 73.21% · Tier avg: 74.53%
58
58th pctile
Return on Assets
Current: 1.18% · Tier avg: 1.08%
66
66th pctile
Tier 1 Capital Ratio
Current: 13.49% · Tier avg: 8.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.91% · Tier avg: 0.56%