BlastPoint's Banking Scorecard
Savings Bank
Primghar, IA
3 branches across IA
Savings Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Efficiency Ratio 15.61% below tier average
- + Delinquency Rate 0.61% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 17.0% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$298.3M
+3.3% YoY
+1.8% QoQ
|
-$87.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$222.2M
+4.3% YoY
+1.6% QoQ
|
-$33.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$246.5M
+2.3% YoY
-2.1% QoQ
|
-$81.5M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
44% |
| Return on Assets ? |
1.41%
+19.6% YoY
+0.2% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.52%
+12.8% YoY
+5.8% QoQ
|
-0.41% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
49.67%
+0.5% YoY
+9.1% QoQ
|
-15.61% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
85% |
| Delinquency Rate ? |
0.28%
-84.1% YoY
-55.0% QoQ
|
-0.61% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
90.12%
+1.9% YoY
+3.8% QoQ
|
+13.49% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
10.22%
+4.7% YoY
-9.1% QoQ
|
-11.80% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 11.3% in tier |
| Nonperforming Asset Ratio ? |
0.64%
-62.3% YoY
-27.0% QoQ
|
+0.00% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
31% |
| Tier 1 Capital Ratio ? |
13.57%
-2.6% YoY
-14.4% QoQ
|
-2.26% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
53% |
| Non-Interest Income / Assets ? |
0.02%
+26.2% YoY
-73.1% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 5.5% in tier |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.