BlastPoint's Banking Scorecard
Cherokee State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 951
Designations: ✓ Community bank
Cherokee, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Cherokee State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.09% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$271.2M
+4.1% YoY
+2.8% QoQ
|
+$53.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
66% |
| Total Loans ? |
$181.7M
+6.4% YoY
+5.9% QoQ
|
+$42.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$211.8M
+0.6% YoY
-0.4% QoQ
|
+$28.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
0.82%
+16.1% YoY
+2.7% QoQ
|
-0.26% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
2.76%
+5.2% YoY
+1.7% QoQ
|
-1.09% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
66.32%
-5.3% YoY
-0.1% QoQ
|
-1.40% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| 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 ? |
85.80%
+5.7% YoY
+6.3% QoQ
|
+11.27% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
12.28%
-1.6% YoY
+8.0% QoQ
|
-10.11% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| 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 ? |
0.59%
+1.9% YoY
+39.3% QoQ
|
+0.03% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (2)
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)
Net Interest Margin
metric
Bottom 10%
in Micro
Why this stands out
Current:
2.76%
(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
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%
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
69
69th pctile
Total Loans
Current: $181.7M · Tier avg: $139.2M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.80% · Tier avg: 74.53%
66
66th pctile
Total Assets
Current: $271.2M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $211.8M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Efficiency Ratio
Current: 66.32% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.28% · Tier avg: 22.39%
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
Top Weaknesses
10
10th pctile
Net Interest Margin
Current: 2.76% · Tier avg: 3.85%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.28% · Tier avg: 22.39%
35
35th pctile
Return on Assets
Current: 0.82% · Tier avg: 1.08%
50
50th pctile
Efficiency Ratio
Current: 66.32% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Total Deposits
Current: $211.8M · Tier avg: $183.7M
66
66th pctile
Total Assets
Current: $271.2M · Tier avg: $217.5M
69
69th pctile
Loan-to-Deposit Ratio
Current: 85.80% · Tier avg: 74.53%
69
69th pctile
Total Loans
Current: $181.7M · Tier avg: $139.2M
76
76th pctile
Non-Interest Income / Assets
Current: 0.59% · Tier avg: 0.56%
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%