BlastPoint's Banking Scorecard
Atkins Savings Bank & Trust
Micro
Specialty: Agricultural
IA
FDIC cert 9096
Designations: ✓ Community bank
Atkins, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Atkins Savings Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.58% below tier
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 ? |
$172.0M
+10.9% YoY
+3.8% QoQ
|
-$45.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$115.5M
+10.8% YoY
+4.8% QoQ
|
-$23.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$139.2M
+4.9% YoY
+0.3% QoQ
|
-$44.4M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
42% |
| Return on Assets ? |
1.13%
+32.2% YoY
-18.0% QoQ
|
+0.05% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
2.77%
+22.7% YoY
+1.3% QoQ
|
-1.08% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
41.15%
-26.1% YoY
-7.8% QoQ
|
-26.58% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.85%
-42.4% YoY
-30.9% QoQ
|
+0.21% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
82.93%
+5.6% YoY
+4.5% QoQ
|
+8.40% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
36% |
| Non-Interest-Bearing Deposit Share ? |
18.05%
-4.5% YoY
+16.6% QoQ
|
-4.35% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.57%
-42.4% YoY
-30.2% QoQ
|
+0.12% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
34% |
| 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 ? |
0.22%
-23.4% YoY
+23.0% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
41.15%
(Tier avg: 67.73%, National avg: 65.09%)
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
98
98th pctile
Efficiency Ratio
Current: 41.15% · Tier avg: 67.73%
55
55th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Total Loans
Current: $115.5M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $172.0M · Tier avg: $217.5M
42
42th pctile
Total Deposits
Current: $139.2M · Tier avg: $183.7M
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.93% · Tier avg: 74.53%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.05% · Tier avg: 22.39%
33
33th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.64%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
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%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
33
33th pctile
Delinquency Rate
Current: 0.85% · Tier avg: 0.64%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 18.05% · Tier avg: 22.39%
34
34th pctile
Nonperforming Asset Ratio
Current: 0.57% · Tier avg: 0.45%
36
36th pctile
Loan-to-Deposit Ratio
Current: 82.93% · Tier avg: 74.53%
42
42th pctile
Total Deposits
Current: $139.2M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $172.0M · Tier avg: $217.5M
48
48th pctile
Total Loans
Current: $115.5M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Return on Assets
Current: 1.13% · Tier avg: 1.08%
98
98th pctile
Efficiency Ratio
Current: 41.15% · Tier avg: 67.73%