BlastPoint's Banking Scorecard
State Bank of Schaller
Designations: ✓ Community bank
Schaller, IA
State Bank of Schaller has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 22.44% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.29% below tier average
- - ROA 0.06% below tier average
- - Delinquency Rate 2.09% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$39.8M
-4.2% YoY
+0.1% QoQ
|
-$22.4M |
$62.2M
-0.6% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
21% |
| Total Loans ? |
$9.8M
-10.0% YoY
-5.2% QoQ
|
-$24.5M |
$34.2M
-1.4% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.4% in tier |
| Total Deposits ? |
$34.2M
-5.2% YoY
-0.1% QoQ
|
-$17.5M |
$51.7M
-0.7% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.77%
-38.3% YoY
-35.1% QoQ
|
-0.06% |
0.84%
-2.3% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
2.57%
-11.2% YoY
-7.6% QoQ
|
-1.29% |
3.86%
+2.8% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio ? |
65.90%
+27.3% YoY
+12.2% QoQ
|
-22.44% |
88.34%
+0.3% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
63% |
| Delinquency Rate ? |
3.46%
-5.4% YoY
-50.3% QoQ
|
+2.09% |
1.37%
+33.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 10.7% in tier |
| Loan-to-Deposit Ratio ? |
28.51%
-5.1% YoY
-5.1% QoQ
|
-35.71% |
64.22%
-0.7% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 8.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.69%
+8.7% YoY
-10.7% QoQ
|
-9.03% |
23.71%
+0.3% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.85%
-11.2% YoY
-52.9% QoQ
|
+0.06% |
0.79%
+28.2% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
13.61%
+8.4% YoY
+0.5% QoQ
|
-13.07% |
26.68%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
37% |
| Non-Interest Income / Assets ? |
0.14%
-20.7% YoY
-78.5% QoQ
|
-0.52% |
0.67%
+1.9% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
83% |
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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.