BlastPoint's Banking Scorecard

Sanborn Savings Bank

under $100M Specialty: Agricultural IA FDIC cert 11352

Designations: ✓ Community bank

Sanborn, IA

541 banks in the under $100M peer group nationally 33 in IA

Sanborn Savings Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.38% above tier average
+ Efficiency Ratio 26.62% below tier average
+ Delinquency Rate 1.36% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.57% below tier average

Get updates when Sanborn Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$90.2M +4.9% YoY -0.1% QoQ	+$28.0M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 11.6% in tier
Total Loans ?	$63.0M +2.0% YoY -2.3% QoQ	+$28.8M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 9.6% in tier
Total Deposits ?	$65.7M -3.1% YoY -4.0% QoQ	+$14.0M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.21% +15.5% YoY +17.3% QoQ	+0.38%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	3.29% +0.7% YoY +2.0% QoQ	-0.57%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	24%
Efficiency Ratio ?	61.73% -1.6% YoY -5.6% QoQ	-26.62%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	71%
Delinquency Rate ?	0.01% -30.0% YoY -14.7% QoQ	-1.36%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	72%
Loan-to-Deposit Ratio ?	95.94% +5.3% YoY +1.8% QoQ	+31.73%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 10.4% in tier
Non-Interest-Bearing Deposit Share ?	7.25% +0.5% YoY -19.8% QoQ	-16.46%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 12.6% in tier
Nonperforming Asset Ratio ?	0.01% -31.9% YoY -16.6% QoQ	-0.78%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	9.40% +1.2% YoY +3.3% QoQ	-17.28%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 3.5% in tier
Non-Interest Income / Assets ?	0.04% -7.2% YoY -76.3% QoQ	-0.62%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Total Loans

size

Value: $63.03M

Peer Median: $34.25M

#53 of 541 Top 9.6% in under $100M

Total Assets

size

Value: $90.16M

Peer Median: $62.16M

#64 of 541 Top 11.6% in under $100M

Top Weaknesses (4 metrics)

523

Tier 1 Capital Ratio

capital

Value: 9.40%

Peer Median: 26.68%

#523 of 541 Bottom 3.5% in under $100M

486

Loan-to-Deposit Ratio

liquidity

Value: 95.94%

Peer Median: 64.22%

#486 of 541 Bottom 10.4% in under $100M

474

Non-Interest-Bearing Deposit Share

funding

Value: 7.25%

Peer Median: 23.71%

#474 of 541 Bottom 12.6% in under $100M

410

Net Interest Margin

profitability

Value: 3.29%

Peer Median: 3.86%

#410 of 541 Bottom 24.4% in under $100M