BlastPoint's Banking Scorecard
Sloan State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8507
Designations: ✓ Community bank
Sloan, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Sloan State Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 36.00% below tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.47% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$70.8M
+0.3% YoY
+0.2% QoQ
|
-$146.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 13% in tier |
| Total Loans ? |
$25.4M
+5.2% YoY
+2.1% QoQ
|
-$113.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$65.8M
-2.2% YoY
+0.1% QoQ
|
-$117.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
1.38%
+1.0% YoY
-3.2% QoQ
|
+0.29% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
69% |
| Net Interest Margin ? |
3.38%
+4.0% YoY
+0.1% QoQ
|
-0.47% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
29% |
| Efficiency Ratio ? |
55.16%
-2.6% YoY
+4.5% QoQ
|
-12.57% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
1.10%
-51.2% YoY
-34.3% QoQ
|
+0.46% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
38.52%
+7.5% YoY
+1.9% QoQ
|
-36.00% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.81%
-8.2% YoY
-9.2% QoQ
|
-0.58% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.49%
-43.9% YoY
-28.6% QoQ
|
+0.04% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
37% |
| 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 ? |
0.09%
-43.9% YoY
+46.3% QoQ
|
-0.47% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 7% in tier |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
38.52%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.09%
(Tier avg: 0.56%, National avg: 0.65%)
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
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.52% · Tier avg: 74.53%
81
81th pctile
Efficiency Ratio
Current: 55.16% · Tier avg: 67.73%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.81% · Tier avg: 22.39%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
16
16th pctile
Total Deposits
Current: $65.8M · Tier avg: $183.7M
13
13th pctile
Total Assets
Current: $70.8M · Tier avg: $217.5M
9
9th pctile
Total Loans
Current: $25.4M · Tier avg: $139.2M
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
Top Weaknesses
7
7th pctile
Non-Interest Income / Assets
Current: 0.09% · Tier avg: 0.56%
9
9th pctile
Total Loans
Current: $25.4M · Tier avg: $139.2M
13
13th pctile
Total Assets
Current: $70.8M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $65.8M · Tier avg: $183.7M
26
26th pctile
Delinquency Rate
Current: 1.10% · Tier avg: 0.64%
29
29th pctile
Net Interest Margin
Current: 3.38% · Tier avg: 3.85%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.49% · Tier avg: 0.45%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 21.81% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
69
69th pctile
Return on Assets
Current: 1.38% · Tier avg: 1.08%
81
81th pctile
Efficiency Ratio
Current: 55.16% · Tier avg: 67.73%
95
95th pctile
Loan-to-Deposit Ratio
Current: 38.52% · Tier avg: 74.53%