BlastPoint's Banking Scorecard
The National Iron Bank
Micro
Specialty: Mortgage
CT
FDIC cert 2496
Designations: ✓ Community bank
Salisbury, CT
2498
banks in Micro tier nationally
5 in CT
View Micro leaderboard (CT) →
The National Iron Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CT) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$335.3M
+13.6% YoY
+5.4% QoQ
|
+$117.8M |
$217.5M
+2.3% YoY
|
$4.5B
+6.5% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$259.5M
+5.4% YoY
+1.8% QoQ
|
+$120.3M |
$139.2M
+2.8% YoY
|
$3.1B
+7.8% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$289.7M
+8.7% YoY
-1.1% QoQ
|
+$106.0M |
$183.7M
+1.8% YoY
|
$3.7B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
0.55%
+40.9% YoY
-13.9% QoQ
|
-0.54% |
1.08%
+14.7% YoY
|
0.58%
+27.4% YoY
|
1.12%
+15.6% YoY
|
20% |
| Net Interest Margin ? |
2.75%
+21.7% YoY
+2.9% QoQ
|
-1.10% |
3.85%
+6.6% YoY
|
3.18%
+11.7% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
64.73%
-22.8% YoY
+2.4% QoQ
|
-2.99% |
67.73%
-4.8% YoY
|
75.93%
-4.7% YoY
|
65.09%
-5.1% YoY
|
54% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.61%
+14.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
89.58%
-3.1% YoY
+2.9% QoQ
|
+15.05% |
74.53%
+0.5% YoY
|
93.24%
+0.3% YoY
|
78.04%
+0.7% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
13.08%
+17.7% YoY
+15.0% QoQ
|
-9.31% |
22.39%
-1.3% YoY
|
21.38%
+2.3% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+31.0% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.97%
-3.6% YoY
-2.1% QoQ
|
+7.12% |
8.85%
-3.4% YoY
|
9.58%
+5.3% YoY
|
9.75%
-1.9% YoY
|
76% |
| Non-Interest Income / Assets ? |
0.71%
+217.4% YoY
+2.2% QoQ
|
+0.14% |
0.56%
+0.3% YoY
|
0.70%
+1.7% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (2)
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 (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(Tier avg: 3.85%, National avg: 3.75%)
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%
86
86th pctile
Total Loans
Current: $259.5M · Tier avg: $139.2M
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
79
79th pctile
Total Deposits
Current: $289.7M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $335.3M · Tier avg: $217.5M
76
76th pctile
Tier 1 Capital Ratio
Current: 15.97% · Tier avg: 8.85%
54
54th pctile
Efficiency Ratio
Current: 64.73% · Tier avg: 67.73%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.58% · Tier avg: 74.53%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 22.39%
20
20th pctile
Return on Assets
Current: 0.55% · Tier avg: 1.08%
24
24th pctile
Loan-to-Deposit Ratio
Current: 89.58% · Tier avg: 74.53%
54
54th pctile
Efficiency Ratio
Current: 64.73% · Tier avg: 67.73%
76
76th pctile
Tier 1 Capital Ratio
Current: 15.97% · Tier avg: 8.85%
78
78th pctile
Total Assets
Current: $335.3M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $289.7M · Tier avg: $183.7M
83
83th pctile
Non-Interest Income / Assets
Current: 0.71% · Tier avg: 0.56%
86
86th pctile
Total Loans
Current: $259.5M · 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%