BlastPoint's Banking Scorecard
Maynard Savings Bank
Maynard, 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 -1.7% year over year ($88.2M on the books).
- Delinquency rate 1.02%.
- Return on assets 1.17%.
- Efficiency ratio 57.16% vs a 64.48% peer average.
- Loan-to-deposit ratio 53.73% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Maynard Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.32% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 44.0% in tier
- - Net Interest Margin 1.24% below tier average
- - ROA 0.15% below tier average
- - Delinquency Rate 0.10% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$108.4M
-0.1% YoY
-3.0% QoQ
|
-$278.2M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.2% in tier |
| Total Loans ? |
$47.4M
-2.1% YoY
-2.7% QoQ
|
-$211.0M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 2.6% in tier |
| Total Deposits ? |
$88.2M
-1.7% YoY
-4.2% QoQ
|
-$238.6M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.1% in tier |
| Return on Assets ? |
1.17%
+70.4% YoY
+18.2% QoQ
|
-0.15% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
2.75%
+23.5% YoY
+5.8% QoQ
|
-1.24% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio ? |
57.16%
-17.7% YoY
-6.2% QoQ
|
-7.32% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
66% |
| Delinquency Rate ? |
1.02%
-16.3% YoY
+16.5% QoQ
|
+0.10% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
53.73%
-0.4% YoY
+1.5% QoQ
|
-24.22% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 11.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.37%
-0.4% YoY
+7.7% QoQ
|
-3.67% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.78%
+30.1% YoY
+0.6% QoQ
|
+0.11% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
27% |
| Tier 1 Capital Ratio ? |
15.08%
+3.1% YoY
+2.4% QoQ
|
-0.82% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.10%
+32.3% YoY
+129.0% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
19% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.4%
-0.1pp YoY +1.3pp QoQ |
-3.8pp | 22.1% | 17.8% | 22.2% | 37% |
| 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 |
12.2%
+0.8pp YoY +0.5pp QoQ |
+0.7pp | 11.6% | 12.8% | 12.5% | 65% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
42.6%
+3.2pp YoY -0.2pp QoQ |
+10.0pp | 32.6% | 23.0% | 31.3% | 74% |
| Consumer |
5.3%
+0.2pp YoY +0.4pp QoQ |
+1.1pp | 4.1% | 2.9% | 5.0% | 78% |
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 |
15.1%
+0.4pp YoY +0.3pp QoQ |
+2.9pp | 12.2% | 12.4% | 12.6% | 87% |
| 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 |
13
0 YoY 0 QoQ |
-46 | 58 | 64 | 482 | 2% |
| Assets per Employee ($) |
$8.3M
-0.1% YoY -3.0% QoQ |
+$819K | $7.5M | $8.9M | $8.8M | 72% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
-0.2pp YoY +0.1pp QoQ |
+0.7pp | 0.3% | 0.4% | 0.4% | 91% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
1.98x
+26.3% YoY -11.0% QoQ |
-22.18x | 24.15x | 18.97x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 5% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.9%
+3.1pp YoY +1.4pp QoQ |
-2.2pp | 12.2% | 12.8% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 55% |
| Net Income ($, YTD) |
$647,000
+74.4% YoY — QoQ |
-$1.9M | $2.6M | $4.0M | $40.4M | 14% |
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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)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.