BlastPoint's Banking Scorecard
Sanborn Savings Bank
Designations: ✓ Community bank
Sanborn, IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits +2.3% year over year ($66.6M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.16%.
- Efficiency ratio 61.67% vs a 119.40% peer average.
- Loan-to-deposit ratio 99.88% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sanborn Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.17% above tier average
- + Efficiency Ratio 57.72% below tier average
- + Delinquency Rate 1.47% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.67% above tier average
- - Net Interest Margin 0.59% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.7M
+7.3% YoY
+2.8% QoQ
|
+$30.3M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 10.6% in tier |
| Total Loans ? |
$66.5M
+8.0% YoY
+5.6% QoQ
|
+$31.7M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Top 8.0% in tier |
| Total Deposits ? |
$66.6M
+2.3% YoY
+1.4% QoQ
|
+$15.0M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.16%
+12.0% YoY
-3.8% QoQ
|
+0.17% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
3.32%
+1.6% YoY
+0.8% QoQ
|
-0.59% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
23% |
| Efficiency Ratio ? |
61.67%
-4.7% YoY
-0.1% QoQ
|
-57.72% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
0.01%
-38.3% YoY
-24.2% QoQ
|
-1.47% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
99.88%
+5.5% YoY
+4.1% QoQ
|
+25.67% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
7.65%
+7.2% YoY
+5.5% QoQ
|
-15.84% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.5% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-37.8% YoY
-22.2% QoQ
|
-0.83% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
71% |
| Tier 1 Capital Ratio ? |
9.26%
-0.3% YoY
-1.6% QoQ
|
-17.87% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 2.6% in tier |
| Non-Interest Income / Assets ? |
0.08%
-3.0% YoY
+105.0% QoQ
|
-1.30% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
33% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
7.6%
+0.5pp YoY +0.4pp QoQ |
-17.0pp | 24.6% | 17.8% | 22.2% | 8% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.9%
-0.2pp YoY 0.0pp QoQ |
-9.5pp | 13.4% | 12.8% | 12.5% | 13% |
| CRE |
8.6%
-0.2pp YoY -0.6pp QoQ |
-16.6pp | 25.2% | 28.3% | 41.4% | 10% |
| 1-4 Family |
31.1%
+0.9pp YoY +0.3pp QoQ |
-3.9pp | 35.0% | 23.0% | 31.3% | 50% |
| Consumer |
3.8%
-0.8pp YoY -0.9pp QoQ |
-3.9pp | 7.7% | 2.9% | 5.0% | 40% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
9.3%
0.0pp YoY -0.1pp QoQ |
-8.4pp | 17.7% | 12.4% | 12.6% | 11% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-1 | 12 | 64 | 482 | 50% |
| Assets per Employee ($) |
$8.4M
+7.3% YoY +2.8% QoQ |
+$2.2M | $6.2M | $8.9M | $8.8M | 84% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-1.7pp | 1.7% | 1.0% | 1.0% | 0% |
| Allowance Coverage |
209.75x
+57.5% YoY +28.8% QoQ |
+203.34x | 6.41x | 18.97x | 20.23x | 100% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.3%
+1.2pp YoY -0.4pp QoQ |
+5.9pp | 6.4% | 12.8% | 11.6% | 74% |
| Cost of Funds (YTD) |
2.1%
-0.1pp YoY 0.0pp QoQ |
+0.7pp | 1.4% | 1.8% | 1.7% | 86% |
| Net Income ($, YTD) |
$530,000
+18.8% YoY — QoQ |
+$212K | $317,817 | $4.0M | $40.4M | 77% |
Get Full Access to Sanborn Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.