BlastPoint's Banking Scorecard
Waukon State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 1857
Designations: ✓ Community bank
Waukon, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Waukon State Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.32% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$433.0M
+4.9% YoY
+0.7% QoQ
|
+$215.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 8% in tier |
| Total Loans ? |
$353.9M
+5.9% YoY
+1.4% QoQ
|
+$214.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 2% in tier |
| Total Deposits ? |
$369.9M
+5.6% YoY
+2.2% QoQ
|
+$186.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 7% in tier |
| Return on Assets ? |
1.76%
+85.0% YoY
+1.7% QoQ
|
+0.68% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.61%
+19.7% YoY
+1.6% QoQ
|
-0.25% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
49.41%
-24.3% YoY
-0.1% QoQ
|
-18.32% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
95.68%
+0.2% YoY
-0.7% QoQ
|
+21.15% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.93%
-0.3% YoY
+8.7% QoQ
|
-4.46% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.22%
+997.7% YoY
+30.8% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
49.41%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
98
98th pctile
Total Loans
Current: $353.9M · Tier avg: $139.2M
93
93th pctile
Total Deposits
Current: $369.9M · Tier avg: $183.7M
92
92th pctile
Total Assets
Current: $433.0M · Tier avg: $217.5M
91
91th pctile
Efficiency Ratio
Current: 49.41% · Tier avg: 67.73%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.68% · Tier avg: 74.53%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.93% · Tier avg: 22.39%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
Top Weaknesses
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
33
33th pctile
Non-Interest-Bearing Deposit Share
Current: 17.93% · Tier avg: 22.39%
39
39th pctile
Net Interest Margin
Current: 3.61% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
84
84th pctile
Return on Assets
Current: 1.76% · Tier avg: 1.08%
86
86th pctile
Loan-to-Deposit Ratio
Current: 95.68% · Tier avg: 74.53%
91
91th pctile
Efficiency Ratio
Current: 49.41% · Tier avg: 67.73%
92
92th pctile
Total Assets
Current: $433.0M · Tier avg: $217.5M
93
93th pctile
Total Deposits
Current: $369.9M · Tier avg: $183.7M
98
98th pctile
Total Loans
Current: $353.9M · Tier avg: $139.2M
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%