BlastPoint's Banking Scorecard
Community Bank of Oelwein
Micro
Specialty: Commercial
IA
FDIC cert 34857
Designations: ✓ Community bank
Oelwein, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Community Bank of Oelwein 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 1.19% below tier
- - Non-Interest-Bearing Deposit Share 14.97% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$103.5M
-3.7% YoY
-3.0% QoQ
|
-$114.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$65.8M
-7.8% YoY
-1.5% QoQ
|
-$73.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$83.2M
-6.5% YoY
-3.4% QoQ
|
-$100.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
23% |
| Return on Assets ? |
0.83%
+78.6% YoY
-0.6% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
2.66%
+27.0% YoY
+1.6% QoQ
|
-1.19% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
63.37%
-20.2% YoY
+1.0% QoQ
|
-4.36% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? | 0.28% | -0.36% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
56% |
| Loan-to-Deposit Ratio ? |
79.11%
-1.4% YoY
+2.0% QoQ
|
+4.58% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
7.42%
+22.6% YoY
-0.2% QoQ
|
-14.97% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 8% in tier |
| Nonperforming Asset Ratio ? |
0.53%
+54.9% QoQ
|
+0.08% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.16%
-3.1% YoY
+31.4% QoQ
|
-0.40% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
17% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.66%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Bottom 8%
in Micro
Why this stands out
Current:
7.42%
(Tier avg: 22.39%, National avg: 21.79%)
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
57
57th pctile
Efficiency Ratio
Current: 63.37% · Tier avg: 67.73%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.11% · Tier avg: 74.53%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
27
27th pctile
Total Loans
Current: $65.8M · Tier avg: $139.2M
23
23th pctile
Total Assets
Current: $103.5M · Tier avg: $217.5M
23
23th pctile
Total Deposits
Current: $83.2M · Tier avg: $183.7M
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.42% · Tier avg: 22.39%
Top Weaknesses
8
8th pctile
Non-Interest-Bearing Deposit Share
Current: 7.42% · Tier avg: 22.39%
8
8th pctile
Net Interest Margin
Current: 2.66% · Tier avg: 3.85%
17
17th pctile
Non-Interest Income / Assets
Current: 0.16% · Tier avg: 0.56%
23
23th pctile
Total Deposits
Current: $83.2M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $103.5M · Tier avg: $217.5M
27
27th pctile
Total Loans
Current: $65.8M · Tier avg: $139.2M
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
35
35th pctile
Nonperforming Asset Ratio
Current: 0.53% · Tier avg: 0.45%
45
45th pctile
Loan-to-Deposit Ratio
Current: 79.11% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Delinquency Rate
Current: 0.28% · Tier avg: 0.64%
57
57th pctile
Efficiency Ratio
Current: 63.37% · Tier avg: 67.73%