BlastPoint's Banking Scorecard
Siouxland Bank
Micro
Specialty: Other
NE
FDIC cert 23270
Designations: ✓ Community bank
South Sioux City, NE
2498
banks in Micro tier nationally
97 in NE
View Micro leaderboard (NE) →
Siouxland Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 25.89% below tier
- + Tier 1 Capital Ratio 27.20% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.6M
+4.0% YoY
-1.9% QoQ
|
-$130.9M |
$217.5M
+2.3% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$30.2M
-7.0% YoY
-1.3% QoQ
|
-$109.0M |
$139.2M
+2.8% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
Bottom 11% in tier |
| Total Deposits ? |
$75.4M
+2.8% YoY
-2.5% QoQ
|
-$108.3M |
$183.7M
+1.8% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.65%
+14.8% YoY
+6.4% QoQ
|
+0.57% |
1.08%
+14.7% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
81% |
| Net Interest Margin ? |
3.67%
+6.2% YoY
+0.9% QoQ
|
-0.18% |
3.85%
+6.6% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
41.84%
-7.4% YoY
+0.6% QoQ
|
-25.89% |
67.73%
-4.8% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.01%
-24.0% QoQ
|
-0.63% |
0.64%
+24.4% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
81% |
| Loan-to-Deposit Ratio ? |
40.08%
-9.5% YoY
+1.3% QoQ
|
-34.44% |
74.53%
+0.5% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.69%
-15.1% YoY
-15.7% QoQ
|
+1.30% |
22.39%
-1.3% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.00%
-23.6% QoQ
|
-0.45% |
0.45%
+25.1% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
36.05%
+22.1% YoY
+9.8% QoQ
|
+27.20% |
8.85%
-3.4% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
Top 2% in tier |
| Non-Interest Income / Assets ? |
0.14%
-38.7% YoY
+38.5% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (2)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
41.84%
(Tier avg: 67.73%, National avg: 65.09%)
Tier 1 Capital Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
36.05%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
40.08%
(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
98
98th pctile
Tier 1 Capital Ratio
Current: 36.05% · Tier avg: 8.85%
97
97th pctile
Efficiency Ratio
Current: 41.84% · Tier avg: 67.73%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.69% · Tier avg: 22.39%
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
20
20th pctile
Total Deposits
Current: $75.4M · Tier avg: $183.7M
18
18th pctile
Total Assets
Current: $86.6M · Tier avg: $217.5M
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
11
11th pctile
Total Loans
Current: $30.2M · Tier avg: $139.2M
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.08% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 40.08% · Tier avg: 74.53%
11
11th pctile
Total Loans
Current: $30.2M · Tier avg: $139.2M
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
18
18th pctile
Total Assets
Current: $86.6M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $75.4M · Tier avg: $183.7M
43
43th pctile
Net Interest Margin
Current: 3.67% · Tier avg: 3.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.69% · Tier avg: 22.39%
81
81th pctile
Return on Assets
Current: 1.65% · Tier avg: 1.08%
81
81th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.64%
83
83th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
97
97th pctile
Efficiency Ratio
Current: 41.84% · Tier avg: 67.73%
98
98th pctile
Tier 1 Capital Ratio
Current: 36.05% · Tier avg: 8.85%