BlastPoint

BlastPoint's Banking Scorecard

Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 13735

Primghar, 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 +0.5% year over year ($242.1M on the books).
  • Delinquency rate 0.33%.
  • Return on assets 1.44%.
  • Efficiency ratio 49.29% vs a 64.48% peer average.
  • Loan-to-deposit ratio 93.78% 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) →

Savings Bank has 3 strengths but faces 4 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

  • + ROA 0.12% above tier average
  • + Efficiency Ratio 15.19% below tier average
  • + Delinquency Rate 0.59% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 33.9% in tier
  • - Non-Interest-Bearing Deposit Share 12.78% below tier average
  • - Non-Interest Income / Assets 0.50% below tier average
  • - Net Interest Margin 0.42% below tier average
Get updates when 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 ? $304.8M
+5.2% YoY +2.2% QoQ
-$81.7M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $227.1M
+6.0% YoY +2.2% QoQ
-$31.3M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
54%
Total Deposits ? $242.1M
+0.5% YoY -1.8% QoQ
-$84.6M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
43%
Return on Assets ? 1.44%
+27.3% YoY +1.8% QoQ
+0.12% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
62%
Net Interest Margin ? 3.57%
+11.3% YoY +1.4% QoQ
-0.42% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
31%
Efficiency Ratio ? 49.29%
-6.5% YoY -0.8% QoQ
-15.19% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
85%
Delinquency Rate ? 0.33%
-70.1% YoY +19.6% QoQ
-0.59% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
56%
Loan-to-Deposit Ratio ? 93.78%
+5.5% YoY +4.1% QoQ
+15.83% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
19%
Non-Interest-Bearing Deposit Share ? 9.25%
+1.7% YoY -9.5% QoQ
-12.78% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 9.2% in tier
Nonperforming Asset Ratio ? 0.65%
-47.4% YoY +1.4% QoQ
-0.02% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
33%
Tier 1 Capital Ratio ? 13.60%
-4.6% YoY +0.3% QoQ
-2.31% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
54%
Non-Interest Income / Assets ? 0.06%
+35.0% YoY +158.7% QoQ
-0.50% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 8.2% in tier

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 9.2%
+0.2pp YoY
-1.0pp QoQ
 -12.9pp 22.1% 17.8% 22.2% 9%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 17.2%
+0.7pp YoY
+1.5pp QoQ
 +5.7pp 11.6% 12.8% 12.5% 82%
CRE n/a n/a 39.5% 28.3% 41.4% n/a
1-4 Family 7.4%
-0.2pp YoY
-0.2pp QoQ
 -25.2pp 32.6% 23.0% 31.3% 8%
Consumer 1.8%
0.0pp YoY
-0.1pp QoQ
 -2.4pp 4.1% 2.9% 5.0% 44%

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 13.6%
+0.7pp YoY
0.0pp QoQ
 +1.4pp 12.2% 12.4% 12.6% 79%
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 20
0 YoY
0 QoQ
 -39 58 64 482 11%
Assets per Employee ($) $15.2M
+5.2% YoY
+2.2% QoQ
 +$7.7M $7.5M $8.9M $8.8M 97%
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 0.3%
-0.8pp YoY
+0.1pp QoQ
 -0.6pp 0.9% 1.0% 1.0% 41%
Allowance Coverage 4.29x
+156.9% YoY
-11.6% QoQ
 -19.87x 24.15x 18.97x 20.23x 67%
Net Charge-off Rate (YTD) 0.7%
-0.7pp QoQ
 +0.5pp 0.1% 0.1% 0.2% 96%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.4%
+1.6pp YoY
+0.2pp QoQ
 -0.8pp 12.2% 12.8% 11.6% 46%
Cost of Funds (YTD) 2.3%
-0.3pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.8% 1.7% 83%
Net Income ($, YTD) $2.1M
+33.0% YoY
— QoQ
 -$405K $2.6M $4.0M $40.4M 55%

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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#235 of 691 • Bottom 33.9% 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: 93.78%
(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

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

406
Efficiency Ratio
profitability
Value: 49.29%
Peer Median: 64.48%
#406 of 2643 Top 15.3% in $100M-$1B

Top Weaknesses (3 metrics)

2426
Non-Interest Income / Assets
revenue_mix
Value: 0.06%
Peer Median: 0.57%
#2426 of 2643 Bottom 8.2% in $100M-$1B
2401
Non-Interest-Bearing Deposit Share
funding
Value: 9.25%
Peer Median: 22.03%
#2401 of 2643 Bottom 9.2% in $100M-$1B
2155
Loan-to-Deposit Ratio
liquidity
Value: 93.78%
Peer Median: 77.95%
#2155 of 2643 Bottom 18.5% in $100M-$1B
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