BlastPoint's Banking Scorecard
Earlham Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 5796
Designations: ✓ Community bank
West Des Moines, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Earlham Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.39% 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 ? |
$377.8M
+4.3% YoY
+2.1% QoQ
|
+$160.3M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$224.7M
+10.8% YoY
+5.0% QoQ
|
+$85.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
80% |
| Total Deposits ? |
$341.4M
+3.7% YoY
+2.5% QoQ
|
+$157.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
0.90%
+60.2% YoY
-34.6% QoQ
|
-0.19% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
39% |
| Net Interest Margin ? |
3.65%
+13.0% YoY
+0.0% QoQ
|
-0.20% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
63.31%
-15.2% YoY
+4.1% QoQ
|
-4.42% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
0.38%
+51.5% QoQ
|
-0.26% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
51% |
| Loan-to-Deposit Ratio ? |
65.82%
+6.9% YoY
+2.5% QoQ
|
-8.71% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
25.02%
-2.8% YoY
-0.1% QoQ
|
+2.62% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.23%
+95.2% YoY
-8.8% QoQ
|
-0.22% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
16.35%
+0.4% YoY
-3.0% QoQ
|
+7.50% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.96%
+93.4% YoY
+21.3% QoQ
|
+0.39% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.96%
(Tier avg: 0.56%, National avg: 0.65%)
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
91
91th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.56%
88
88th pctile
Total Deposits
Current: $341.4M · Tier avg: $183.7M
85
85th pctile
Total Assets
Current: $377.8M · Tier avg: $217.5M
80
80th pctile
Total Loans
Current: $224.7M · Tier avg: $139.2M
77
77th pctile
Tier 1 Capital Ratio
Current: 16.35% · Tier avg: 8.85%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.82% · Tier avg: 74.53%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 22.39%
57
57th pctile
Efficiency Ratio
Current: 63.31% · Tier avg: 67.73%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
42
42th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.85%
39
39th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
Top Weaknesses
39
39th pctile
Return on Assets
Current: 0.90% · Tier avg: 1.08%
42
42th pctile
Net Interest Margin
Current: 3.65% · Tier avg: 3.85%
51
51th pctile
Delinquency Rate
Current: 0.38% · Tier avg: 0.64%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.23% · Tier avg: 0.45%
57
57th pctile
Efficiency Ratio
Current: 63.31% · Tier avg: 67.73%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 25.02% · Tier avg: 22.39%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.82% · Tier avg: 74.53%
77
77th pctile
Tier 1 Capital Ratio
Current: 16.35% · Tier avg: 8.85%
80
80th pctile
Total Loans
Current: $224.7M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $377.8M · Tier avg: $217.5M
88
88th pctile
Total Deposits
Current: $341.4M · Tier avg: $183.7M
91
91th pctile
Non-Interest Income / Assets
Current: 0.96% · Tier avg: 0.56%