BlastPoint's Banking Scorecard
Tri-Valley Bank
Designations: ✓ Community bank
Randolph, IA
4 branches across IA · NE
Tri-Valley Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.36% above tier average
- + Efficiency Ratio 13.19% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.66% above tier average
- - Nonperforming Asset Ratio 1.72% above tier average
- - ROA 1.05% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$81.4M
-6.0% YoY
+1.3% QoQ
|
+$19.1M |
$62.3M
-0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.0% YoY
|
72% |
| Total Loans ? |
$50.4M
+3.6% YoY
-6.9% QoQ
|
+$16.1M |
$34.3M
-1.5% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.7% YoY
|
78% |
| Total Deposits ? |
$76.4M
-4.8% YoY
+2.4% QoQ
|
+$24.6M |
$51.8M
-0.6% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.0% YoY
|
85% |
| Return on Assets ? |
-0.20%
-131.7% YoY
+77.5% QoQ
|
-1.05% |
0.86%
-3.6% YoY
|
1.31%
+22.6% YoY
|
1.24%
+13.1% YoY
|
Bottom 12.8% in tier |
| Net Interest Margin ? |
4.23%
+12.3% YoY
+15.1% QoQ
|
+0.36% |
3.87%
+2.7% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
74.44%
-6.3% YoY
-18.9% QoQ
|
-13.19% |
87.63%
+2.3% YoY
|
58.40%
-7.6% YoY
|
66.84%
-3.8% YoY
|
45% |
| Delinquency Rate ? |
4.03%
-5.9% QoQ
|
+2.66% |
1.36%
+33.7% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.7% in tier |
| Loan-to-Deposit Ratio ? |
65.93%
+8.8% YoY
-9.1% QoQ
|
+1.82% |
64.11%
-0.9% YoY
|
77.40%
+1.1% YoY
|
76.69%
+0.9% YoY
|
50% |
| Non-Interest-Bearing Deposit Share ? |
26.42%
+7.0% YoY
+0.3% QoQ
|
+2.63% |
23.79%
+0.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.1% YoY
|
60% |
| Nonperforming Asset Ratio ? |
2.49%
-13.6% QoQ
|
+1.72% |
0.77%
+28.7% YoY
|
0.58%
+11.7% YoY
|
0.66%
+19.3% YoY
|
Bottom 6.9% in tier |
| Tier 1 Capital Ratio ? |
9.24%
-1.5% YoY
+1.3% QoQ
|
-17.54% |
26.77%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.6% in tier |
| Non-Interest Income / Assets ? |
0.11%
+12.7% YoY
-69.1% QoQ
|
-0.56% |
0.67%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.0% YoY
|
75% |
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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.