BlastPoint's Banking Scorecard
Connection Bank
Community
Specialty: Commercial
IA
FDIC cert 955
Fort Madison, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Connection Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 20.31% above tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 31% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$540.1M
+10.5% YoY
+1.9% QoQ
|
-$851.3M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 6% in tier |
| Total Loans ? |
$468.5M
+7.4% YoY
+1.3% QoQ
|
-$507.0M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$453.2M
+10.8% YoY
+1.9% QoQ
|
-$711.4M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 6% in tier |
| Return on Assets ? |
1.49%
+39.9% YoY
-4.0% QoQ
|
+0.32% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
73% |
| Net Interest Margin ? |
3.64%
+17.6% YoY
+0.9% QoQ
|
-0.03% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
49% |
| Efficiency Ratio ? |
57.22%
-11.7% YoY
+2.7% QoQ
|
-5.41% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
0.40%
+24.3% YoY
-2.1% QoQ
|
-0.23% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
103.37%
-3.1% YoY
-0.6% QoQ
|
+20.31% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.84%
+8.5% YoY
+5.7% QoQ
|
+5.80% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
0.34%
+20.8% YoY
-2.6% QoQ
|
-0.16% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
50% |
| Tier 1 Capital Ratio ? |
11.15%
+1.1% YoY
-0.6% QoQ
|
+0.90% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.49%
-3.5% YoY
+34.4% QoQ
|
-0.25% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 8%
in Community
Why this stands out
Current:
103.37%
(Tier avg: 83.06%, National avg: 78.04%)
Concerns (1)
Credit Risk Growth
risk
#201 of 642 · Bottom 31% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.37% · Tier avg: 83.06%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.84% · Tier avg: 21.05%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
66
66th pctile
Efficiency Ratio
Current: 57.22% · Tier avg: 62.63%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
38
38th pctile
Tier 1 Capital Ratio
Current: 11.15% · Tier avg: 10.24%
25
25th pctile
Total Loans
Current: $468.5M · Tier avg: $975.5M
6
6th pctile
Total Deposits
Current: $453.2M · Tier avg: $1.2B
6
6th pctile
Total Assets
Current: $540.1M · Tier avg: $1.4B
Top Weaknesses
6
6th pctile
Total Assets
Current: $540.1M · Tier avg: $1.4B
6
6th pctile
Total Deposits
Current: $453.2M · Tier avg: $1.2B
25
25th pctile
Total Loans
Current: $468.5M · Tier avg: $975.5M
38
38th pctile
Tier 1 Capital Ratio
Current: 11.15% · Tier avg: 10.24%
47
47th pctile
Non-Interest Income / Assets
Current: 0.49% · Tier avg: 0.74%
49
49th pctile
Net Interest Margin
Current: 3.64% · Tier avg: 3.66%
50
50th pctile
Nonperforming Asset Ratio
Current: 0.34% · Tier avg: 0.50%
54
54th pctile
Delinquency Rate
Current: 0.40% · Tier avg: 0.63%
66
66th pctile
Efficiency Ratio
Current: 57.22% · Tier avg: 62.63%
73
73th pctile
Return on Assets
Current: 1.49% · Tier avg: 1.16%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 26.84% · Tier avg: 21.05%
92
92th pctile
Loan-to-Deposit Ratio
Current: 103.37% · Tier avg: 83.06%