BlastPoint's Banking Scorecard
State Central Bank
Micro
Specialty: Other
IA
FDIC cert 5820
Designations: ✓ Community bank
Bonaparte, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
State Central Bank shows strong momentum with 2 strengths and 16.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.83% above tier
- + Net Interest Margin 3.01% 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 ? |
$60.8M
+16.0% YoY
+0.4% QoQ
|
-$156.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 10% in tier |
| Total Loans ? |
$32.4M
+54.9% YoY
+13.4% QoQ
|
-$106.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 12% in tier |
| Total Deposits ? |
$50.3M
+13.6% YoY
+0.2% QoQ
|
-$133.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 11% in tier |
| Return on Assets ? |
2.92%
-32.1% YoY
-20.0% QoQ
|
+1.83% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 2% in tier |
| Net Interest Margin ? |
6.86%
-7.9% YoY
-8.1% QoQ
|
+3.01% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Top 1% in tier |
| Efficiency Ratio ? |
57.38%
+2.7% YoY
+13.6% QoQ
|
-10.35% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
0.17%
-90.3% YoY
-89.1% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
64.36%
+36.4% YoY
+13.2% QoQ
|
-10.16% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
18.97%
+5.0% YoY
+10.4% QoQ
|
-3.43% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.09%
-87.0% YoY
-87.7% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.83%
-18.7% YoY
+32.6% QoQ
|
+0.26% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 12% in tier |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 2%
in Micro
Why this stands out
Current:
2.92%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 1%
in Micro
Why this stands out
Current:
6.86%
(Tier avg: 3.85%, National avg: 3.75%)
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
100
100th pctile
Net Interest Margin
Current: 6.86% · Tier avg: 3.85%
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.08%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
75
75th pctile
Efficiency Ratio
Current: 57.38% · Tier avg: 67.73%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.36% · Tier avg: 74.53%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.97% · Tier avg: 22.39%
12
12th pctile
Total Loans
Current: $32.4M · Tier avg: $139.2M
11
11th pctile
Total Deposits
Current: $50.3M · Tier avg: $183.7M
10
10th pctile
Total Assets
Current: $60.8M · Tier avg: $217.5M
Top Weaknesses
10
10th pctile
Total Assets
Current: $60.8M · Tier avg: $217.5M
11
11th pctile
Total Deposits
Current: $50.3M · Tier avg: $183.7M
12
12th pctile
Total Loans
Current: $32.4M · Tier avg: $139.2M
38
38th pctile
Non-Interest-Bearing Deposit Share
Current: 18.97% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.09% · Tier avg: 0.45%
70
70th pctile
Loan-to-Deposit Ratio
Current: 64.36% · Tier avg: 74.53%
75
75th pctile
Efficiency Ratio
Current: 57.38% · Tier avg: 67.73%
88
88th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.56%
98
98th pctile
Return on Assets
Current: 2.92% · Tier avg: 1.08%
100
100th pctile
Net Interest Margin
Current: 6.86% · Tier avg: 3.85%