BlastPoint's Banking Scorecard
St. Ansgar State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 17259
Designations: ✓ Community bank
Saint Ansgar, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
St. Ansgar State Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.16% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$189.3M
-2.4% YoY
+2.1% QoQ
|
-$28.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
48% |
| Total Loans ? |
$124.7M
+2.9% YoY
+2.8% QoQ
|
-$14.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$146.1M
+4.2% YoY
+8.4% QoQ
|
-$37.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
44% |
| Return on Assets ? |
0.83%
+18.5% YoY
-4.6% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
2.69%
+12.9% YoY
+1.3% QoQ
|
-1.16% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
66.75%
-4.7% YoY
+1.1% QoQ
|
-0.97% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
0.88%
-45.8% QoQ
|
+0.24% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
85.32%
-1.2% YoY
-5.1% QoQ
|
+10.80% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
17.04%
-1.7% YoY
+2.2% QoQ
|
-5.36% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
0.58%
-45.5% QoQ
|
+0.13% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.14%
+10.4% YoY
+55.7% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.69%
(Tier avg: 3.85%, National avg: 3.75%)
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
68
68th pctile
Loan-to-Deposit Ratio
Current: 85.32% · Tier avg: 74.53%
51
51th pctile
Total Loans
Current: $124.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Efficiency Ratio
Current: 66.75% · Tier avg: 67.73%
48
48th pctile
Total Assets
Current: $189.3M · Tier avg: $217.5M
44
44th pctile
Total Deposits
Current: $146.1M · Tier avg: $183.7M
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.04% · Tier avg: 22.39%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.69% · Tier avg: 3.85%
13
13th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 17.04% · Tier avg: 22.39%
32
32th pctile
Delinquency Rate
Current: 0.88% · Tier avg: 0.64%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
36
36th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
44
44th pctile
Total Deposits
Current: $146.1M · Tier avg: $183.7M
48
48th pctile
Total Assets
Current: $189.3M · Tier avg: $217.5M
48
48th pctile
Efficiency Ratio
Current: 66.75% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Loans
Current: $124.7M · Tier avg: $139.2M
68
68th pctile
Loan-to-Deposit Ratio
Current: 85.32% · Tier avg: 74.53%