BlastPoint's Banking Scorecard
South Story Bank & Trust
Community
Specialty: Commercial
IA
FDIC cert 17348
Slater, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
South Story Bank & Trust 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
- - Loan-to-Deposit Ratio 33.19% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$610.7M
+6.6% YoY
-1.9% QoQ
|
-$780.8M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$548.7M
+7.9% YoY
-2.2% QoQ
|
-$426.8M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
36% |
| Total Deposits ? |
$471.9M
+4.8% YoY
+1.1% QoQ
|
-$692.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 9% in tier |
| Return on Assets ? |
0.61%
+815.0% YoY
+1.1% QoQ
|
-0.55% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
15% |
| Net Interest Margin ? |
3.70%
+26.9% YoY
+0.4% QoQ
|
+0.04% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
53% |
| Efficiency Ratio ? |
73.08%
-11.2% YoY
+0.4% QoQ
|
+10.45% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
1.15%
+75.4% YoY
+149.2% QoQ
|
+0.52% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
116.26%
+3.0% YoY
-3.2% QoQ
|
+33.19% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.11%
+7.9% YoY
+2.0% QoQ
|
-8.94% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| Nonperforming Asset Ratio ? |
1.22%
+108.4% YoY
+191.8% QoQ
|
+0.72% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 15% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.26%
+34.8% YoY
+41.1% QoQ
|
-0.48% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
18% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Community
Why this stands out
Current:
116.26%
(Tier avg: 83.06%, National avg: 78.04%)
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
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%
36
36th pctile
Total Loans
Current: $548.7M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
21
21th pctile
Efficiency Ratio
Current: 73.08% · Tier avg: 62.63%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.11% · Tier avg: 21.05%
16
16th pctile
Total Assets
Current: $610.7M · Tier avg: $1.4B
15
15th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
9
9th pctile
Total Deposits
Current: $471.9M · Tier avg: $1.2B
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.26% · Tier avg: 83.06%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.26% · Tier avg: 83.06%
9
9th pctile
Total Deposits
Current: $471.9M · Tier avg: $1.2B
15
15th pctile
Nonperforming Asset Ratio
Current: 1.22% · Tier avg: 0.50%
15
15th pctile
Return on Assets
Current: 0.61% · Tier avg: 1.16%
16
16th pctile
Total Assets
Current: $610.7M · Tier avg: $1.4B
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.11% · Tier avg: 21.05%
18
18th pctile
Non-Interest Income / Assets
Current: 0.26% · Tier avg: 0.74%
21
21th pctile
Efficiency Ratio
Current: 73.08% · Tier avg: 62.63%
22
22th pctile
Delinquency Rate
Current: 1.15% · Tier avg: 0.63%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Total Loans
Current: $548.7M · Tier avg: $975.5M
53
53th pctile
Net Interest Margin
Current: 3.70% · Tier avg: 3.66%