BlastPoint's Banking Scorecard
South Ottumwa Savings Bank
Community
Specialty: Other
IA
FDIC cert 9099
Ottumwa, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
South Ottumwa Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 12% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$518.9M
-4.2% YoY
-1.2% QoQ
|
-$872.5M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? |
$319.8M
-0.4% YoY
-1.2% QoQ
|
-$655.7M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 6% in tier |
| Total Deposits ? |
$429.5M
-6.7% YoY
+1.2% QoQ
|
-$735.1M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.25%
+70.1% YoY
+0.1% QoQ
|
+0.09% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
60% |
| Net Interest Margin ? |
3.24%
+16.2% YoY
+2.2% QoQ
|
-0.42% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
58.73%
-11.8% YoY
-0.0% QoQ
|
-3.90% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
62% |
| Delinquency Rate ? |
0.26%
-58.5% YoY
-54.8% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
74.45%
+6.7% YoY
-2.4% QoQ
|
-8.61% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
23.10%
-2.3% YoY
-3.2% QoQ
|
+2.05% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
63% |
| Nonperforming Asset Ratio ? |
0.16%
-62.5% YoY
-56.6% QoQ
|
-0.34% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
18.30%
+9.0% YoY
+2.8% QoQ
|
+8.05% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 11% in tier |
| Non-Interest Income / Assets ? |
0.55%
+32.8% YoY
+34.8% QoQ
|
-0.19% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
55% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#30 of 248 · Bottom 12% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
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
89
89th pctile
Tier 1 Capital Ratio
Current: 18.30% · Tier avg: 10.24%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.45% · Tier avg: 83.06%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.10% · Tier avg: 21.05%
62
62th pctile
Efficiency Ratio
Current: 58.73% · Tier avg: 62.63%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
6
6th pctile
Total Loans
Current: $319.8M · Tier avg: $975.5M
3
3th pctile
Total Assets
Current: $518.9M · Tier avg: $1.4B
3
3th pctile
Total Deposits
Current: $429.5M · Tier avg: $1.2B
Top Weaknesses
3
3th pctile
Total Deposits
Current: $429.5M · Tier avg: $1.2B
3
3th pctile
Total Assets
Current: $518.9M · Tier avg: $1.4B
6
6th pctile
Total Loans
Current: $319.8M · Tier avg: $975.5M
27
27th pctile
Net Interest Margin
Current: 3.24% · Tier avg: 3.66%
55
55th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.74%
60
60th pctile
Return on Assets
Current: 1.25% · Tier avg: 1.16%
62
62th pctile
Efficiency Ratio
Current: 58.73% · Tier avg: 62.63%
63
63th pctile
Non-Interest-Bearing Deposit Share
Current: 23.10% · Tier avg: 21.05%
65
65th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.63%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.50%
73
73th pctile
Loan-to-Deposit Ratio
Current: 74.45% · Tier avg: 83.06%
89
89th pctile
Tier 1 Capital Ratio
Current: 18.30% · Tier avg: 10.24%