BlastPoint's Banking Scorecard
The Watkins Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 18071
Designations: ✓ Community bank
Watkins, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The Watkins Savings Bank faces 2 concerns 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 2.08% below tier
- - Non-Interest Income / Assets 0.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$83.2M
+5.9% YoY
+2.4% QoQ
|
-$134.3M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
17% |
| Total Loans ? |
$33.4M
-0.7% YoY
+1.9% QoQ
|
-$105.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$71.8M
+4.3% YoY
+2.9% QoQ
|
-$111.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
18% |
| Return on Assets ? |
0.34%
-12.3% YoY
-0.5% QoQ
|
-0.74% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 13% in tier |
| Net Interest Margin ? |
1.77%
-0.9% YoY
-0.1% QoQ
|
-2.08% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
77.98%
+2.4% YoY
-1.6% QoQ
|
+10.26% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
23% |
| Delinquency Rate ? |
0.33%
+463.2% QoQ
|
-0.31% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
46.56%
-4.8% YoY
-1.0% QoQ
|
-27.97% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.61%
-12.7% YoY
+7.3% QoQ
|
-7.79% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.13%
+460.4% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| 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 ? |
0.03%
-9.8% YoY
+20.7% QoQ
|
-0.54% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.77%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 1%
in Micro
Why this stands out
Current:
0.03%
(Tier avg: 0.56%, National avg: 0.65%)
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.56% · Tier avg: 74.53%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
23
23th pctile
Efficiency Ratio
Current: 77.98% · Tier avg: 67.73%
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.61% · Tier avg: 22.39%
18
18th pctile
Total Deposits
Current: $71.8M · Tier avg: $183.7M
17
17th pctile
Total Assets
Current: $83.2M · Tier avg: $217.5M
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
12
12th pctile
Total Loans
Current: $33.4M · Tier avg: $139.2M
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
1
1th pctile
Net Interest Margin
Current: 1.77% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.77% · Tier avg: 3.85%
1
1th pctile
Non-Interest Income / Assets
Current: 0.03% · Tier avg: 0.56%
12
12th pctile
Total Loans
Current: $33.4M · Tier avg: $139.2M
13
13th pctile
Return on Assets
Current: 0.34% · Tier avg: 1.08%
17
17th pctile
Total Assets
Current: $83.2M · Tier avg: $217.5M
18
18th pctile
Total Deposits
Current: $71.8M · Tier avg: $183.7M
22
22th pctile
Non-Interest-Bearing Deposit Share
Current: 14.61% · Tier avg: 22.39%
23
23th pctile
Efficiency Ratio
Current: 77.98% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
54
54th pctile
Delinquency Rate
Current: 0.33% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
90
90th pctile
Loan-to-Deposit Ratio
Current: 46.56% · Tier avg: 74.53%