BlastPoint's Banking Scorecard
Citizens Savings Bank
Spillville, IA
3 branches across 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 +9.9% year over year ($129.2M on the books).
- Delinquency rate 0.05%.
- Return on assets 0.67%.
- Efficiency ratio 61.27% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.11% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Citizens Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 3.21% below tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.73% below tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - ROA 0.66% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$151.1M
+11.0% YoY
+2.4% QoQ
|
-$235.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 14.3% in tier |
| Total Loans ? |
$67.3M
+8.3% YoY
+3.2% QoQ
|
-$191.0M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.4% in tier |
| Total Deposits ? |
$129.2M
+9.9% YoY
+1.5% QoQ
|
-$197.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
15% |
| Return on Assets ? |
0.67%
+66.7% YoY
-5.2% QoQ
|
-0.66% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
2.25%
+14.5% YoY
-0.1% QoQ
|
-1.73% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 1.5% in tier |
| Efficiency Ratio ? |
61.27%
-16.6% YoY
+4.6% QoQ
|
-3.21% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.05%
-77.7% YoY
-72.1% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
79% |
| Loan-to-Deposit Ratio ? |
52.11%
-1.5% YoY
+1.6% QoQ
|
-25.85% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 10.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.09%
+4.5% YoY
+2.5% QoQ
|
-10.94% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 12.9% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-78.3% YoY
-71.9% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
83% |
| Tier 1 Capital Ratio ? |
15.54%
-0.5% YoY
+0.4% QoQ
|
-0.37% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.03%
-14.0% YoY
+86.4% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 2.6% in tier |
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 |
11.1%
+0.5pp YoY +0.3pp QoQ |
-11.1pp | 22.1% | 17.8% | 22.2% | 12% |
| Brokered Deposits |
0.8%
-1.8pp YoY -0.8pp QoQ |
-7.1pp | 7.9% | 6.0% | 8.5% | 15% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
-1.6pp YoY -0.9pp QoQ |
-4.0pp | 11.6% | 12.8% | 12.5% | 36% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
9.2%
-0.4pp YoY +0.4pp QoQ |
-23.4pp | 32.6% | 23.0% | 31.3% | 10% |
| Consumer |
2.0%
-1.1pp YoY -0.2pp QoQ |
-2.1pp | 4.1% | 2.9% | 5.0% | 48% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
15.5%
-0.1pp YoY +0.1pp QoQ |
+3.4pp | 12.2% | 12.4% | 12.6% | 89% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
12
-1 (-7.7%) YoY 0 QoQ |
-47 | 58 | 64 | 482 | 2% |
| Assets per Employee ($) |
$12.6M
+20.3% YoY +2.4% QoQ |
+$5.1M | $7.5M | $8.9M | $8.8M | 94% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
0.0pp YoY -0.1pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 12% |
| Allowance Coverage |
36.38x
+302.7% YoY +247.1% QoQ |
+12.23x | 24.15x | 18.97x | 20.23x | 92% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.4%
+2.0pp YoY -0.5pp QoQ |
-5.8pp | 12.2% | 12.8% | 11.6% | 18% |
| Cost of Funds (YTD) |
2.4%
-0.3pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.8% | 1.7% | 88% |
| Net Income ($, YTD) |
$493,000
+79.9% YoY — QoQ |
-$2.1M | $2.6M | $4.0M | $40.4M | 10% |
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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.