BlastPoint's Banking Scorecard

Denver Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 12857

Denver, IA

2 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 +1.8% year over year ($186.9M on the books).
Delinquency rate 0.05%.
Return on assets 0.83%.
Efficiency ratio 69.52% vs a 64.48% peer average.
Loan-to-deposit ratio 93.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Denver Savings Bank has 1 strength but faces 7 concerns

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

+ Credit Quality Leader: Top 2.7% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 1.8% in tier
- Credit Quality Pressure: Bottom 9.6% in tier
- Liquidity Strain: Bottom 15.0% in tier
- Capital Thin: Bottom 40.4% in tier
- ROA 0.49% below tier average
- Net Interest Margin 0.57% below tier average
- Efficiency Ratio 5.04% above tier average

Get updates when Denver Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$250.6M +2.4% YoY -0.8% QoQ	-$136.0M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	37%
Total Loans ?	$174.5M +2.1% YoY +1.1% QoQ	-$83.8M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	42%
Total Deposits ?	$186.9M +1.8% YoY -1.4% QoQ	-$139.9M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	31%
Return on Assets ?	0.83% +158.3% YoY +23.7% QoQ	-0.49%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	25%
Net Interest Margin ?	3.42% +20.7% YoY +5.2% QoQ	-0.57%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	24%
Efficiency Ratio ?	69.52% -19.2% YoY -6.5% QoQ	+5.04%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	31%
Delinquency Rate ?	0.05%	-0.87%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	79%
Loan-to-Deposit Ratio ?	93.38% +0.2% YoY +2.6% QoQ	+15.43%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	19%
Non-Interest-Bearing Deposit Share ?	16.08% +3.0% YoY +13.0% QoQ	-5.95%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	0.07% +77.0% YoY +257.9% QoQ	-0.60%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	10.84% +1.5% YoY +1.9% QoQ	-5.07%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.12% +96.6% YoY +107.2% QoQ	-0.45%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	25%

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	16.1% +0.5pp YoY +1.9pp QoQ	-6.1pp	22.1%	17.8%	22.2%	27%
Brokered Deposits	4.6% -1.6pp YoY -3.1pp QoQ	-3.3pp	7.9%	6.0%	8.5%	49%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.9% -2.5pp YoY -1.6pp QoQ	-0.6pp	11.6%	12.8%	12.5%	58%
CRE	52.6% +2.1pp YoY +2.6pp QoQ	+13.1pp	39.5%	28.3%	41.4%	75%
1-4 Family	18.2% -0.5pp YoY -1.0pp QoQ	-14.5pp	32.6%	23.0%	31.3%	26%
Consumer	1.5% +0.1pp YoY +0.1pp QoQ	-2.6pp	4.1%	2.9%	5.0%	39%

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	10.8% +0.2pp YoY +0.2pp QoQ	-1.3pp	12.2%	12.4%	12.6%	47%
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	28 0 YoY -1 (-3.4%) QoQ	-31	58	64	482	24%
Assets per Employee ($)	$8.9M +2.4% YoY +2.8% QoQ	+$1.4M	$7.5M	$8.9M	$8.8M	78%
Branch Count	2 0 YoY 0 QoQ	-3	4	5	18	11%

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	-0.8pp	0.9%	1.0%	1.0%	18%
Allowance Coverage	20.89x	-3.27x	24.15x	18.97x	20.23x	89%
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	8.2% +4.9pp YoY +1.5pp QoQ	-3.9pp	12.2%	12.8%	11.6%	27%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	86%
Net Income ($, YTD)	$1.1M +165.5% YoY — QoQ	-$1.5M	$2.6M	$4.0M	$40.4M	28%

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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 (1)

Credit Quality Leader

growth

#19 of 659 • Top 2.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (4)

Credit Risk Growth

risk

#18 of 936 • Bottom 1.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ

Credit Quality Pressure

risk

#122 of 1256 • Bottom 9.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.05%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

Liquidity Strain

risk

#105 of 691 • Bottom 15.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.38%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Capital Thin

risk

#268 of 661 • Bottom 40.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.84%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

553

Delinquency Rate

credit_quality

Value: 0.05%

Peer Median: 0.92%

#553 of 2633 Top 21.0% in $100M-$1B

644

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#644 of 2643 Top 24.3% in $100M-$1B

Top Weaknesses (5 metrics)

2132

Loan-to-Deposit Ratio

liquidity

Value: 93.38%

Peer Median: 77.95%

#2132 of 2643 Bottom 19.4% in $100M-$1B

2084

Tier 1 Capital Ratio

capital

Value: 10.84%

Peer Median: 15.91%

#2084 of 2643 Bottom 21.2% in $100M-$1B

2012

Net Interest Margin

profitability

Value: 3.42%

Peer Median: 3.99%

#2012 of 2643 Bottom 23.9% in $100M-$1B

1996

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#1996 of 2643 Bottom 24.5% in $100M-$1B

1984

Return on Assets

profitability

Value: 0.83%

Peer Median: 1.32%

#1984 of 2643 Bottom 25.0% in $100M-$1B