BlastPoint's Banking Scorecard
Capra Bank
Community
Specialty: Commercial
IA
FDIC cert 16363
Dubuque, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Capra Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 31.02% below tier
- - Non-Interest-Bearing Deposit Share 12.56% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$978.1M
+74.5% YoY
-0.6% QoQ
|
-$413.4M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$459.7M
+98.3% YoY
+16.2% QoQ
|
-$515.8M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$883.2M
+79.2% YoY
-3.2% QoQ
|
-$281.4M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
52% |
| Return on Assets ? |
0.70%
-3.6% YoY
+15.0% QoQ
|
-0.47% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.32%
-15.9% YoY
+3.4% QoQ
|
-0.35% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
68.87%
-6.2% YoY
-1.2% QoQ
|
+6.24% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
30% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
52.04%
+10.7% YoY
+20.0% QoQ
|
-31.02% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.48%
+17.5% YoY
+20.1% QoQ
|
-12.56% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 7% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
11.13%
-40.4% YoY
-8.1% QoQ
|
+0.88% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.23%
-67.8% YoY
+50.2% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 5%
in Community
Why this stands out
Current:
52.04%
(Tier avg: 83.06%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 7%
in Community
Why this stands out
Current:
8.48%
(Tier avg: 21.05%, National avg: 21.79%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
52
52th pctile
Total Deposits
Current: $883.2M · Tier avg: $1.2B
48
48th pctile
Total Assets
Current: $978.1M · Tier avg: $1.4B
38
38th pctile
Tier 1 Capital Ratio
Current: 11.13% · Tier avg: 10.24%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
30
30th pctile
Efficiency Ratio
Current: 68.87% · Tier avg: 62.63%
24
24th pctile
Total Loans
Current: $459.7M · Tier avg: $975.5M
19
19th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.48% · Tier avg: 21.05%
5
5th pctile
Loan-to-Deposit Ratio
Current: 52.04% · Tier avg: 83.06%
Top Weaknesses
5
5th pctile
Loan-to-Deposit Ratio
Current: 52.04% · Tier avg: 83.06%
7
7th pctile
Non-Interest-Bearing Deposit Share
Current: 8.48% · Tier avg: 21.05%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
19
19th pctile
Return on Assets
Current: 0.70% · Tier avg: 1.16%
24
24th pctile
Total Loans
Current: $459.7M · Tier avg: $975.5M
30
30th pctile
Efficiency Ratio
Current: 68.87% · Tier avg: 62.63%
31
31th pctile
Net Interest Margin
Current: 3.32% · Tier avg: 3.66%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.13% · Tier avg: 10.24%
48
48th pctile
Total Assets
Current: $978.1M · Tier avg: $1.4B
52
52th pctile
Total Deposits
Current: $883.2M · Tier avg: $1.2B
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%