BlastPoint's Banking Scorecard
Sibley State Bank
Sibley, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +2.6% year over year ($91.5M on the books).
- Delinquency rate 0.46%.
- Return on assets 1.41%.
- Efficiency ratio 53.62% vs a 64.48% peer average.
- Loan-to-deposit ratio 72.08% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sibley State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 10.86% below tier average
- + Delinquency Rate 0.45% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.20% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$104.4M
+0.9% YoY
-5.1% QoQ
|
-$282.2M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.2% in tier |
| Total Loans ? |
$66.0M
-0.3% YoY
+0.2% QoQ
|
-$192.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.1% in tier |
| Total Deposits ? |
$91.5M
+2.6% YoY
-5.3% QoQ
|
-$235.2M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 3.0% in tier |
| Return on Assets ? |
1.41%
+4.5% YoY
+11.8% QoQ
|
+0.09% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
3.79%
+9.2% YoY
+3.3% QoQ
|
-0.20% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
41% |
| Efficiency Ratio ? |
53.62%
+4.3% YoY
-4.3% QoQ
|
-10.86% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
75% |
| Delinquency Rate ? |
0.46%
-68.5% YoY
-9.4% QoQ
|
-0.45% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
72.08%
-2.8% YoY
+5.8% QoQ
|
-5.87% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
20.65%
-1.9% YoY
-3.6% QoQ
|
-1.38% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.29%
-68.9% YoY
-4.3% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
15.67%
+2.1% YoY
-0.2% QoQ
|
-0.24% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.18%
+0.7% YoY
+109.7% QoQ
|
-0.39% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
44% |
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 |
20.6%
-0.4pp YoY -0.8pp QoQ |
-1.5pp | 22.1% | 17.8% | 22.2% | 48% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
1.8%
-1.0pp YoY +0.1pp QoQ |
-9.7pp | 11.6% | 12.8% | 12.5% | 6% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
3.5%
-0.4pp YoY +0.1pp QoQ |
-29.1pp | 32.6% | 23.0% | 31.3% | 3% |
| Consumer |
0.9%
-0.3pp YoY -0.1pp QoQ |
-3.2pp | 4.1% | 2.9% | 5.0% | 27% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.7%
+0.3pp YoY 0.0pp QoQ |
-3.2pp | 18.8% | 15.4% | 19.7% | 55% |
| Leverage Ratio |
11.0%
-0.2pp YoY -0.1pp QoQ |
-1.1pp | 12.2% | 12.4% | 12.6% | 51% |
| Total Capital Ratio |
16.7%
+0.4pp YoY 0.0pp QoQ |
-3.2pp | 19.9% | 16.5% | 20.8% | 55% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-48 | 58 | 64 | 482 | 1% |
| Assets per Employee ($) |
$9.5M
+0.9% YoY -5.1% QoQ |
+$2.0M | $7.5M | $8.9M | $8.8M | 83% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.9pp YoY -0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 70% |
| Nonaccrual |
0.2%
-0.1pp YoY +0.1pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 31% |
| Allowance Coverage |
2.60x
+222.7% YoY +9.2% QoQ |
-21.55x | 24.15x | 18.97x | 20.23x | 55% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 46% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.1%
0.0pp YoY +1.4pp QoQ |
+1.9pp | 12.2% | 12.8% | 11.6% | 62% |
| Cost of Funds (YTD) |
1.2%
-0.3pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 19% |
| Net Income ($, YTD) |
$748,000
+5.9% YoY — QoQ |
-$1.8M | $2.6M | $4.0M | $40.4M | 18% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.