BlastPoint's Banking Scorecard
Crawford County Trust and Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8511
Designations: ✓ Community bank
Denison, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Crawford County Trust and Savings Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.60% 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 ? |
$287.3M
+4.3% YoY
+3.0% QoQ
|
+$69.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$196.9M
+2.0% YoY
+3.6% QoQ
|
+$57.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$260.9M
+2.8% YoY
+2.9% QoQ
|
+$77.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
74% |
| Return on Assets ? |
1.82%
+10.9% YoY
+1.5% QoQ
|
+0.73% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.57%
+7.9% YoY
+1.2% QoQ
|
-0.28% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
48.13%
-1.6% YoY
-0.6% QoQ
|
-19.60% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.18%
-29.1% YoY
-26.6% QoQ
|
-0.46% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
75.47%
-0.8% YoY
+0.6% QoQ
|
+0.94% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
20.11%
-1.5% YoY
+1.9% QoQ
|
-2.28% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.12%
-59.7% YoY
-26.2% QoQ
|
-0.33% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
13.21%
+8.8% YoY
-1.3% QoQ
|
+4.36% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.34%
-10.1% YoY
+32.1% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.13%
(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
92
92th pctile
Efficiency Ratio
Current: 48.13% · Tier avg: 67.73%
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
74
74th pctile
Total Deposits
Current: $260.9M · Tier avg: $183.7M
73
73th pctile
Total Loans
Current: $196.9M · Tier avg: $139.2M
70
70th pctile
Total Assets
Current: $287.3M · Tier avg: $217.5M
65
65th pctile
Tier 1 Capital Ratio
Current: 13.21% · Tier avg: 8.85%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.47% · Tier avg: 74.53%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.11% · Tier avg: 22.39%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
Top Weaknesses
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
43
43th pctile
Non-Interest-Bearing Deposit Share
Current: 20.11% · Tier avg: 22.39%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
52
52th pctile
Loan-to-Deposit Ratio
Current: 75.47% · Tier avg: 74.53%
64
64th pctile
Delinquency Rate
Current: 0.18% · Tier avg: 0.64%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.12% · Tier avg: 0.45%
65
65th pctile
Tier 1 Capital Ratio
Current: 13.21% · Tier avg: 8.85%
70
70th pctile
Total Assets
Current: $287.3M · Tier avg: $217.5M
73
73th pctile
Total Loans
Current: $196.9M · Tier avg: $139.2M
74
74th pctile
Total Deposits
Current: $260.9M · Tier avg: $183.7M
86
86th pctile
Return on Assets
Current: 1.82% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.13% · Tier avg: 67.73%