BlastPoint's Banking Scorecard
Defiance State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 17450
Designations: ✓ Community bank
Defiance, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Defiance 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
- - Loan-to-Deposit Ratio 26.96% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$41.8M
+1.0% YoY
+7.3% QoQ
|
-$175.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$31.5M
+2.6% YoY
+8.3% QoQ
|
-$107.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$31.1M
-8.8% YoY
+1.6% QoQ
|
-$152.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.58%
+12.4% YoY
-39.3% QoQ
|
-0.50% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
21% |
| Net Interest Margin ? |
4.02%
+6.8% YoY
-1.6% QoQ
|
+0.17% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
59% |
| Efficiency Ratio ? |
82.69%
-0.5% YoY
+9.7% QoQ
|
+14.97% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
16% |
| Delinquency Rate ? |
0.10%
-26.9% YoY
-13.4% QoQ
|
-0.54% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
71% |
| Loan-to-Deposit Ratio ? |
101.48%
+12.6% YoY
+6.6% QoQ
|
+26.96% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.27%
+2.5% YoY
+4.9% QoQ
|
-8.13% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.07%
-25.8% YoY
-12.6% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
71% |
| Tier 1 Capital Ratio ? | 10.34% | +1.49% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.15%
-28.0% YoY
+21.7% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
101.48%
(Tier avg: 74.53%, 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
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.34% · Tier avg: 8.85%
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.27% · Tier avg: 22.39%
16
16th pctile
Efficiency Ratio
Current: 82.69% · Tier avg: 67.73%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
11
11th pctile
Total Loans
Current: $31.5M · Tier avg: $139.2M
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.48% · Tier avg: 74.53%
5
5th pctile
Total Assets
Current: $41.8M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $31.1M · Tier avg: $183.7M
Top Weaknesses
5
5th pctile
Total Deposits
Current: $31.1M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $41.8M · Tier avg: $217.5M
8
8th pctile
Loan-to-Deposit Ratio
Current: 101.48% · Tier avg: 74.53%
11
11th pctile
Total Loans
Current: $31.5M · Tier avg: $139.2M
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
16
16th pctile
Efficiency Ratio
Current: 82.69% · Tier avg: 67.73%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.27% · Tier avg: 22.39%
21
21th pctile
Return on Assets
Current: 0.58% · Tier avg: 1.08%
53
53th pctile
Tier 1 Capital Ratio
Current: 10.34% · Tier avg: 8.85%
59
59th pctile
Net Interest Margin
Current: 4.02% · Tier avg: 3.85%
71
71th pctile
Nonperforming Asset Ratio
Current: 0.07% · Tier avg: 0.45%
71
71th pctile
Delinquency Rate
Current: 0.10% · Tier avg: 0.64%