BlastPoint's Banking Scorecard
Blue Grass Savings Bank
Blue Grass, 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 -1.2% year over year ($185.6M on the books).
- Delinquency rate 0.34%.
- Return on assets 1.31%.
- Efficiency ratio 46.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 61.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Blue Grass Savings Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.04% below tier average
- + Delinquency Rate 0.57% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.53% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$225.5M
-0.3% YoY
+1.5% QoQ
|
-$161.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
32% |
| Total Loans ? |
$114.7M
+2.9% YoY
-0.6% QoQ
|
-$143.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
24% |
| Total Deposits ? |
$185.6M
-1.2% YoY
+1.6% QoQ
|
-$141.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
31% |
| Return on Assets ? |
1.31%
+36.5% YoY
+15.7% QoQ
|
-0.02% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
54% |
| Net Interest Margin ? |
3.46%
+25.6% YoY
+4.6% QoQ
|
-0.53% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
26% |
| Efficiency Ratio ? |
46.44%
-10.2% YoY
-4.4% QoQ
|
-18.04% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 10.9% in tier |
| Delinquency Rate ? |
0.34%
-51.8% YoY
-44.9% QoQ
|
-0.57% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
61.77%
+4.2% YoY
-2.1% QoQ
|
-16.18% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
17.55%
-2.5% YoY
-1.3% QoQ
|
-4.48% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.17%
-50.2% YoY
-46.0% QoQ
|
-0.49% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
14.30%
+3.0% YoY
+1.2% QoQ
|
-1.60% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.04%
+17.7% YoY
+719.3% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.9% in tier |
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 |
17.5%
-0.4pp YoY -0.2pp QoQ |
-4.6pp | 22.1% | 17.8% | 22.2% | 34% |
| Brokered Deposits |
2.8%
-0.3pp YoY +0.1pp QoQ |
-5.0pp | 7.9% | 6.0% | 8.5% | 37% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
+1.4pp YoY +0.9pp QoQ |
+5.3pp | 11.6% | 12.8% | 12.5% | 81% |
| CRE |
33.2%
+0.4pp YoY +1.1pp QoQ |
-6.3pp | 39.5% | 28.3% | 41.4% | 41% |
| 1-4 Family |
40.4%
-0.7pp YoY -0.4pp QoQ |
+7.8pp | 32.6% | 23.0% | 31.3% | 71% |
| Consumer |
0.7%
-0.2pp YoY 0.0pp QoQ |
-3.4pp | 4.1% | 2.9% | 5.0% | 21% |
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 |
14.3%
+0.4pp YoY +0.2pp QoQ |
+2.1pp | 12.2% | 12.4% | 12.6% | 83% |
| 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
+2 (+11.1%) YoY -1 (-4.8%) QoQ |
-39 | 58 | 64 | 482 | 11% |
| Assets per Employee ($) |
$11.3M
-10.3% YoY +6.6% QoQ |
+$3.8M | $7.5M | $8.9M | $8.8M | 91% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.3%
-0.3pp YoY -0.3pp QoQ |
-0.6pp | 0.9% | 1.0% | 1.0% | 42% |
| Allowance Coverage |
6.55x
+97.6% YoY +84.6% QoQ |
-17.61x | 24.15x | 18.97x | 20.23x | 76% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
+1.9pp YoY +1.3pp QoQ |
-2.4pp | 12.2% | 12.8% | 11.6% | 36% |
| Cost of Funds (YTD) |
2.0%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$1.5M
+35.2% YoY — QoQ |
-$1.1M | $2.6M | $4.0M | $40.4M | 41% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.