BlastPoint's Banking Scorecard
Readlyn Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 9300
Designations: ✓ Community bank
Readlyn, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Readlyn Savings Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 26.50% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 17.37% above tier
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$147.9M
+4.5% YoY
+3.0% QoQ
|
-$69.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$95.8M
-7.8% YoY
-2.6% QoQ
|
-$43.4M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
41% |
| Total Deposits ? |
$111.7M
+5.8% YoY
+3.7% QoQ
|
-$72.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.88%
+10.7% YoY
+5.8% QoQ
|
+0.79% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 13% in tier |
| Net Interest Margin ? |
3.40%
+3.7% YoY
+3.3% QoQ
|
-0.45% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
41.23%
-8.3% YoY
-2.9% QoQ
|
-26.50% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
85.80%
-12.8% YoY
-6.1% QoQ
|
+11.28% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
23.20%
+19.3% YoY
+22.4% QoQ
|
+0.81% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
56% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? |
26.22%
+4.3% YoY
+1.3% QoQ
|
+17.37% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.08%
-3.5% YoY
+26.6% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (4)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
41.23%
(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%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
26.22%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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%
98
98th pctile
Efficiency Ratio
Current: 41.23% · Tier avg: 67.73%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.22% · Tier avg: 8.85%
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.20% · Tier avg: 22.39%
41
41th pctile
Total Loans
Current: $95.8M · Tier avg: $139.2M
37
37th pctile
Total Assets
Current: $147.9M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $111.7M · Tier avg: $183.7M
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.80% · Tier avg: 74.53%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
30
30th pctile
Net Interest Margin
Current: 3.40% · Tier avg: 3.85%
31
31th pctile
Loan-to-Deposit Ratio
Current: 85.80% · Tier avg: 74.53%
33
33th pctile
Total Deposits
Current: $111.7M · Tier avg: $183.7M
37
37th pctile
Total Assets
Current: $147.9M · Tier avg: $217.5M
41
41th pctile
Total Loans
Current: $95.8M · Tier avg: $139.2M
56
56th pctile
Non-Interest-Bearing Deposit Share
Current: 23.20% · Tier avg: 22.39%
87
87th pctile
Return on Assets
Current: 1.88% · Tier avg: 1.08%
94
94th pctile
Tier 1 Capital Ratio
Current: 26.22% · Tier avg: 8.85%
98
98th pctile
Efficiency Ratio
Current: 41.23% · 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%