BlastPoint's Banking Scorecard
Hardin County Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 5817
Designations: ✓ Community bank
Eldora, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Hardin County Savings Bank faces 1 concern 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 1.08% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$401.5M
+14.5% YoY
-1.9% QoQ
|
+$184.0M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 12% in tier |
| Total Loans ? |
$251.5M
+23.7% YoY
+8.9% QoQ
|
+$112.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$324.3M
+11.6% YoY
-7.5% QoQ
|
+$140.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 14% in tier |
| Return on Assets ? |
1.06%
+0.3% YoY
+1.3% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
2.77%
+6.7% YoY
+0.8% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
56.60%
-1.8% YoY
-0.5% QoQ
|
-11.12% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
77% |
| Delinquency Rate ? |
1.16%
-18.1% YoY
-8.3% QoQ
|
+0.52% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
77.54%
+10.9% YoY
+17.8% QoQ
|
+3.01% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
14.24%
-3.4% YoY
+27.8% QoQ
|
-8.15% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.72%
-11.5% YoY
+1.9% QoQ
|
+0.27% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
12.87%
-3.8% YoY
-0.6% QoQ
|
+4.02% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
63% |
| Non-Interest Income / Assets ? |
0.20%
-8.9% YoY
+36.9% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.77%
(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
88
88th pctile
Total Assets
Current: $401.5M · Tier avg: $217.5M
86
86th pctile
Total Deposits
Current: $324.3M · Tier avg: $183.7M
85
85th pctile
Total Loans
Current: $251.5M · Tier avg: $139.2M
77
77th pctile
Efficiency Ratio
Current: 56.60% · Tier avg: 67.73%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.87% · Tier avg: 8.85%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.54% · Tier avg: 74.53%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.24% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.77% · Tier avg: 3.85%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 14.24% · Tier avg: 22.39%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
25
25th pctile
Delinquency Rate
Current: 1.16% · Tier avg: 0.64%
27
27th pctile
Nonperforming Asset Ratio
Current: 0.72% · Tier avg: 0.45%
47
47th pctile
Loan-to-Deposit Ratio
Current: 77.54% · Tier avg: 74.53%
50
50th pctile
Return on Assets
Current: 1.06% · Tier avg: 1.08%
63
63th pctile
Tier 1 Capital Ratio
Current: 12.87% · Tier avg: 8.85%
77
77th pctile
Efficiency Ratio
Current: 56.60% · Tier avg: 67.73%
85
85th pctile
Total Loans
Current: $251.5M · Tier avg: $139.2M
86
86th pctile
Total Deposits
Current: $324.3M · Tier avg: $183.7M
88
88th pctile
Total Assets
Current: $401.5M · Tier avg: $217.5M