BlastPoint's Banking Scorecard
White State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8519
Designations: ✓ Community bank
South English, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
White State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.34% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 34.67% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.3M
+5.2% YoY
+7.4% QoQ
|
-$112.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$36.9M
+1.3% YoY
+0.4% QoQ
|
-$102.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 14% in tier |
| Total Deposits ? |
$92.6M
+3.5% YoY
+8.0% QoQ
|
-$91.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
26% |
| Return on Assets ? |
1.40%
+7.5% YoY
+4.7% QoQ
|
+0.32% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
70% |
| Net Interest Margin ? |
3.45%
+9.4% YoY
+0.5% QoQ
|
-0.40% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
32% |
| Efficiency Ratio ? |
45.39%
-2.8% YoY
-4.4% QoQ
|
-22.34% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 5% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
39.86%
-2.1% YoY
-7.0% QoQ
|
-34.67% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.87%
+14.1% YoY
+6.0% QoQ
|
+1.47% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
59% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| 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 ? |
0.14%
+2.7% YoY
+23.1% QoQ
|
-0.42% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
45.39%
(Tier avg: 67.73%, National avg: 65.09%)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
39.86%
(Tier avg: 74.53%, National avg: 78.04%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Efficiency Ratio
Current: 45.39% · Tier avg: 67.73%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.87% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
32
32th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
26
26th pctile
Total Deposits
Current: $92.6M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
14
14th pctile
Total Loans
Current: $36.9M · Tier avg: $139.2M
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
6
6th pctile
Loan-to-Deposit Ratio
Current: 39.86% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 39.86% · Tier avg: 74.53%
14
14th pctile
Non-Interest Income / Assets
Current: 0.14% · Tier avg: 0.56%
14
14th pctile
Total Loans
Current: $36.9M · Tier avg: $139.2M
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
26
26th pctile
Total Deposits
Current: $92.6M · Tier avg: $183.7M
32
32th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
59
59th pctile
Non-Interest-Bearing Deposit Share
Current: 23.87% · Tier avg: 22.39%
70
70th pctile
Return on Assets
Current: 1.40% · Tier avg: 1.08%
95
95th pctile
Efficiency Ratio
Current: 45.39% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%