BlastPoint's Banking Scorecard
State Savings Bank
Micro
Specialty: Commercial
IA
FDIC cert 248
Designations: ✓ Community bank
West Des Moines, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
State Savings 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 40.90% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$274.3M
+8.6% YoY
+4.3% QoQ
|
+$56.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$236.1M
+5.4% YoY
-0.9% QoQ
|
+$97.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
82% |
| Total Deposits ? |
$204.6M
+8.1% YoY
+7.0% QoQ
|
+$20.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
61% |
| Return on Assets ? |
1.28%
+45.1% YoY
-3.0% QoQ
|
+0.20% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.95%
+4.1% YoY
-0.6% QoQ
|
+0.10% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
56% |
| Efficiency Ratio ? |
57.65%
-8.7% YoY
+1.7% QoQ
|
-10.08% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
74% |
| Delinquency Rate ? |
0.61%
+250.2% YoY
+369.3% QoQ
|
-0.03% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
115.42%
-2.4% YoY
-7.4% QoQ
|
+40.90% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.11%
-16.4% YoY
-1.2% QoQ
|
+0.72% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.53%
+130.4% YoY
+346.1% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
10.26%
+5.9% YoY
+6.9% QoQ
|
+1.41% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.21%
-8.5% YoY
+25.3% QoQ
|
-0.35% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
26% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
115.42%
(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
82
82th pctile
Total Loans
Current: $236.1M · Tier avg: $139.2M
74
74th pctile
Efficiency Ratio
Current: 57.65% · Tier avg: 67.73%
67
67th pctile
Total Assets
Current: $274.3M · Tier avg: $217.5M
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
61
61th pctile
Total Deposits
Current: $204.6M · Tier avg: $183.7M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.26% · Tier avg: 8.85%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
2
2th pctile
Loan-to-Deposit Ratio
Current: 115.42% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 115.42% · Tier avg: 74.53%
26
26th pctile
Non-Interest Income / Assets
Current: 0.21% · Tier avg: 0.56%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
40
40th pctile
Delinquency Rate
Current: 0.61% · Tier avg: 0.64%
52
52th pctile
Tier 1 Capital Ratio
Current: 10.26% · Tier avg: 8.85%
56
56th pctile
Net Interest Margin
Current: 3.95% · Tier avg: 3.85%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.11% · Tier avg: 22.39%
61
61th pctile
Total Deposits
Current: $204.6M · Tier avg: $183.7M
64
64th pctile
Return on Assets
Current: 1.28% · Tier avg: 1.08%
67
67th pctile
Total Assets
Current: $274.3M · Tier avg: $217.5M
74
74th pctile
Efficiency Ratio
Current: 57.65% · Tier avg: 67.73%
82
82th pctile
Total Loans
Current: $236.1M · Tier avg: $139.2M