BlastPoint's Banking Scorecard
Audubon State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 5814
Designations: ✓ Community bank
Audubon, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Audubon State Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.98% above tier
- + Efficiency Ratio 25.43% below 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 ? |
$163.4M
+3.1% YoY
-0.3% QoQ
|
-$54.1M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
42% |
| Total Loans ? |
$128.9M
+5.2% YoY
+0.9% QoQ
|
-$10.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$139.6M
+4.2% YoY
-0.3% QoQ
|
-$44.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
2.06%
+29.0% YoY
+5.3% QoQ
|
+0.98% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.19%
+11.8% YoY
+3.6% QoQ
|
+0.34% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
68% |
| Efficiency Ratio ? |
42.30%
-14.7% YoY
-2.1% QoQ
|
-25.43% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 3% in tier |
| Delinquency Rate ? |
0.02%
-58.5% YoY
-59.0% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
92.36%
+1.0% YoY
+1.2% QoQ
|
+17.83% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
11.56%
-13.0% YoY
+6.4% QoQ
|
-10.83% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 15% in tier |
| Nonperforming Asset Ratio ? |
0.01%
-57.7% YoY
-58.5% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| Tier 1 Capital Ratio ? |
13.04%
+3.7% YoY
-1.2% QoQ
|
+4.18% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.13%
-18.8% YoY
+27.6% QoQ
|
-0.43% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 12% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.06%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
42.30%
(Tier avg: 67.73%, National avg: 65.09%)
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
97
97th pctile
Efficiency Ratio
Current: 42.30% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.06% · Tier avg: 1.08%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.36% · Tier avg: 74.53%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $128.9M · Tier avg: $139.2M
42
42th pctile
Total Deposits
Current: $139.6M · Tier avg: $183.7M
42
42th pctile
Total Assets
Current: $163.4M · Tier avg: $217.5M
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.56% · Tier avg: 22.39%
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
Top Weaknesses
12
12th pctile
Non-Interest Income / Assets
Current: 0.13% · Tier avg: 0.56%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.56% · Tier avg: 22.39%
42
42th pctile
Total Assets
Current: $163.4M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $139.6M · Tier avg: $183.7M
53
53th pctile
Total Loans
Current: $128.9M · Tier avg: $139.2M
64
64th pctile
Tier 1 Capital Ratio
Current: 13.04% · Tier avg: 8.85%
68
68th pctile
Net Interest Margin
Current: 4.19% · Tier avg: 3.85%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
82
82th pctile
Loan-to-Deposit Ratio
Current: 92.36% · Tier avg: 74.53%
91
91th pctile
Return on Assets
Current: 2.06% · Tier avg: 1.08%
97
97th pctile
Efficiency Ratio
Current: 42.30% · Tier avg: 67.73%