BlastPoint's Banking Scorecard
Blue Grass Savings Bank
Blue Grass, IA
2 branches across IA
Blue Grass Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 16.73% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30.5% in tier
- - Deposit Outflow: Bottom 47.2% in tier
- - Non-Interest Income / Assets 0.29% below tier average
- - ROA 0.14% below tier average
- - Net Interest Margin 0.63% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$222.2M
-1.4% YoY
+0.7% QoQ
|
-$163.9M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
31% |
| Total Loans ? |
$115.3M
+5.0% YoY
-0.9% QoQ
|
-$140.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$182.8M
-3.6% YoY
+1.1% QoQ
|
-$145.2M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.13%
+27.4% YoY
+8.0% QoQ
|
-0.14% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
45% |
| Net Interest Margin ? |
3.30%
+21.0% YoY
+11.3% QoQ
|
-0.63% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
22% |
| Efficiency Ratio ? |
48.56%
-6.6% YoY
-8.2% QoQ
|
-16.73% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 13.4% in tier |
| Delinquency Rate ? |
0.62%
-4.7% YoY
+94.1% QoQ
|
-0.26% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
63.10%
+8.9% YoY
-2.0% QoQ
|
-13.54% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
17.78%
+2.7% YoY
+8.9% QoQ
|
-4.24% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.32%
+1.4% YoY
+90.9% QoQ
|
-0.31% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
14.13%
+5.0% YoY
+2.9% QoQ
|
-1.70% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
-0.01%
+66.2% YoY
-103.7% QoQ
|
-0.29% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 0.3% 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 (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.