BlastPoint's Banking Scorecard

Denver Savings Bank

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

Denver, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Denver Savings Bank has 1 strength but faces 5 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 31.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 14.3% in tier
- Capital Thin: Bottom 38.6% in tier
- ROA 0.60% below tier average
- Net Interest Margin 0.68% below tier average
- Efficiency Ratio 9.06% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$252.5M +2.9% YoY -1.3% QoQ	-$133.5M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	38%
Total Loans ?	$172.6M +2.8% YoY +0.1% QoQ	-$83.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	42%
Total Deposits ?	$189.6M +0.2% YoY -1.8% QoQ	-$138.4M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	32%
Return on Assets ?	0.67% +461.8% YoY +48.3% QoQ	-0.60%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	20%
Net Interest Margin ?	3.25% +19.9% YoY +11.1% QoQ	-0.68%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	74.35% -22.3% YoY -8.7% QoQ	+9.06%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	23%
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	91.06% +2.6% YoY +1.9% QoQ	+14.42%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	14.23% -6.8% YoY +5.3% QoQ	-7.79%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	21%
Nonperforming Asset Ratio ?	0.02% -50.4% YoY +15.5% QoQ	-0.62%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	84%
Tier 1 Capital Ratio ?	10.64% +1.8% YoY +3.5% QoQ	-5.19%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	18%
Non-Interest Income / Assets ?	0.06% -67.9% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	23%

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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

#207 of 664 • Top 31.0% in tier

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

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Liquidity Strain

risk

#93 of 643 • Bottom 14.3% 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: 91.06%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ

Capital Thin

risk

#258 of 666 • Bottom 38.6% 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: 10.64%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

440

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#440 of 2664 Top 16.5% in $100M-$1B

Top Weaknesses (7 metrics)

2179

Tier 1 Capital Ratio

capital

Value: 10.64%

Peer Median: 15.83%

#2179 of 2664 Bottom 18.2% in $100M-$1B

2143

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2143 of 2664 Bottom 19.6% in $100M-$1B

2136

Return on Assets

profitability

Value: 0.67%

Peer Median: 1.27%

#2136 of 2664 Bottom 19.9% in $100M-$1B

2099

Non-Interest-Bearing Deposit Share

funding

Value: 14.23%

Peer Median: 22.02%

#2099 of 2664 Bottom 21.2% in $100M-$1B

2066

Loan-to-Deposit Ratio

liquidity

Value: 91.06%

Peer Median: 76.64%

#2066 of 2664 Bottom 22.5% in $100M-$1B

2040

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2040 of 2664 Bottom 23.5% in $100M-$1B

2039

Efficiency Ratio

profitability

Value: 74.35%

Peer Median: 65.29%

#2039 of 2664 Bottom 23.5% in $100M-$1B