BlastPoint's Banking Scorecard
Logan State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 4476
Designations: ✓ Community bank
Logan, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Logan State Bank shows strong momentum with 1 strength and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 24.82% above 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 ? |
$86.9M
+7.0% YoY
+3.3% QoQ
|
-$130.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$78.2M
+5.0% YoY
+1.8% QoQ
|
-$61.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$78.7M
+7.0% YoY
+3.4% QoQ
|
-$105.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
1.26%
+13.0% YoY
+5.2% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.16%
+3.1% YoY
+1.0% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
66.16%
-5.5% YoY
-2.6% QoQ
|
-1.57% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.22%
-56.9% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
99.35%
-1.9% YoY
-1.6% QoQ
|
+24.82% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.88%
-9.0% YoY
+5.0% QoQ
|
-3.52% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.20%
-57.5% QoQ
|
-0.25% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
57% |
| Tier 1 Capital Ratio ? |
11.98%
+0.8% YoY
-0.7% QoQ
|
+3.13% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.29%
+14.9% YoY
+39.7% QoQ
|
-0.27% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
99.35%
(Tier avg: 74.53%, National avg: 78.04%)
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
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.35% · Tier avg: 74.53%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 8.85%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
50
50th pctile
Efficiency Ratio
Current: 66.16% · Tier avg: 67.73%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.88% · Tier avg: 22.39%
33
33th pctile
Total Loans
Current: $78.2M · Tier avg: $139.2M
21
21th pctile
Total Deposits
Current: $78.7M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $86.9M · Tier avg: $217.5M
Top Weaknesses
19
19th pctile
Total Assets
Current: $86.9M · Tier avg: $217.5M
21
21th pctile
Total Deposits
Current: $78.7M · Tier avg: $183.7M
33
33th pctile
Total Loans
Current: $78.2M · Tier avg: $139.2M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.88% · Tier avg: 22.39%
38
38th pctile
Non-Interest Income / Assets
Current: 0.29% · Tier avg: 0.56%
50
50th pctile
Efficiency Ratio
Current: 66.16% · Tier avg: 67.73%
57
57th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.45%
58
58th pctile
Tier 1 Capital Ratio
Current: 11.98% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
66
66th pctile
Net Interest Margin
Current: 4.16% · Tier avg: 3.85%
90
90th pctile
Loan-to-Deposit Ratio
Current: 99.35% · Tier avg: 74.53%