BlastPoint's Banking Scorecard
Pilot Grove Savings Bank
Community
Specialty: Agricultural
IA
FDIC cert 9100
Pilot Grove, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Pilot Grove Savings Bank shows strong momentum with 3 strengths and 12.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 41% in Community
- + Profitability Leader: Top 45% in Community
- + Efficiency Ratio 18.73% 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 ? |
$1.1B
+12.0% YoY
+3.1% QoQ
|
-$247.2M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
58% |
| Total Loans ? |
$854.2M
+10.2% YoY
+2.5% QoQ
|
-$121.3M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
61% |
| Total Deposits ? |
$1.0B
+10.3% YoY
+3.2% QoQ
|
-$154.5M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
60% |
| Return on Assets ? |
1.77%
+18.7% YoY
-2.2% QoQ
|
+0.61% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
3.63%
+11.2% YoY
+1.3% QoQ
|
-0.04% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
43.90%
-10.8% YoY
+1.6% QoQ
|
-18.73% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.12%
-35.3% YoY
-16.8% QoQ
|
-0.51% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
84.56%
-0.1% YoY
-0.6% QoQ
|
+1.50% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
19.27%
-1.9% YoY
+6.8% QoQ
|
-1.78% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.10%
-28.8% YoY
-17.6% QoQ
|
-0.40% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
78% |
| Tier 1 Capital Ratio ? |
10.01%
+4.3% YoY
+0.2% QoQ
|
-0.23% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.39%
-0.1% YoY
+29.1% QoQ
|
-0.35% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
34% |
Signature Analysis
Strengths (3)
Credit Quality Leader
growth
#151 of 371 · Top 41% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.12%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Profitability Leader
growth
#167 of 371 · Top 45% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.77%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Efficiency Ratio
metric
Top 8%
in Community
Why this stands out
Current:
43.90%
(Tier avg: 62.63%, 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: 43.90% · Tier avg: 62.63%
86
86th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
61
61th pctile
Total Loans
Current: $854.2M · Tier avg: $975.5M
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.56% · Tier avg: 83.06%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.01% · Tier avg: 10.24%
Top Weaknesses
31
31th pctile
Tier 1 Capital Ratio
Current: 10.01% · Tier avg: 10.24%
34
34th pctile
Non-Interest Income / Assets
Current: 0.39% · Tier avg: 0.74%
46
46th pctile
Non-Interest-Bearing Deposit Share
Current: 19.27% · Tier avg: 21.05%
49
49th pctile
Net Interest Margin
Current: 3.63% · Tier avg: 3.66%
51
51th pctile
Loan-to-Deposit Ratio
Current: 84.56% · Tier avg: 83.06%
58
58th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
60
60th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
61
61th pctile
Total Loans
Current: $854.2M · Tier avg: $975.5M
78
78th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.50%
80
80th pctile
Delinquency Rate
Current: 0.12% · Tier avg: 0.63%
86
86th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.16%
92
92th pctile
Efficiency Ratio
Current: 43.90% · Tier avg: 62.63%