BlastPoint's Banking Scorecard
State Bank of Schaller
Designations: ✓ Community bank
Schaller, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits +2.7% year over year ($34.9M on the books).
- Delinquency rate 3.73%.
- Return on assets 0.81%.
- Efficiency ratio 62.35% vs a 119.40% peer average.
- Loan-to-deposit ratio 28.55% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Bank of Schaller has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 57.04% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.38% below tier average
- - Delinquency Rate 2.25% above tier average
- - ROA 0.19% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$40.6M
+2.6% YoY
+2.1% QoQ
|
-$21.8M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
21% |
| Total Loans ? |
$10.0M
-3.0% YoY
+2.3% QoQ
|
-$24.9M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 11.0% in tier |
| Total Deposits ? |
$34.9M
+2.7% YoY
+2.1% QoQ
|
-$16.7M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.81%
-29.1% YoY
+4.5% QoQ
|
-0.19% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
2.53%
-6.3% YoY
-1.3% QoQ
|
-1.38% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 6.9% in tier |
| Efficiency Ratio ? |
62.35%
+16.3% YoY
-5.4% QoQ
|
-57.04% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
3.73%
+11.1% YoY
+7.6% QoQ
|
+2.25% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 9.1% in tier |
| Loan-to-Deposit Ratio ? |
28.55%
-5.5% YoY
+0.2% QoQ
|
-45.65% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.89%
+16.2% YoY
+8.2% QoQ
|
-7.60% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
26% |
| Nonperforming Asset Ratio ? |
0.92%
+5.1% YoY
+7.8% QoQ
|
+0.08% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
13.27%
-5.0% YoY
-2.5% QoQ
|
-13.85% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.27%
-27.0% YoY
+89.1% QoQ
|
-1.11% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
80% |
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 |
15.9%
+2.2pp YoY +1.2pp QoQ |
-8.7pp | 24.6% | 17.8% | 22.2% | 22% |
| Brokered Deposits |
8.4%
-3.5pp YoY -3.4pp QoQ |
-1.4pp | 9.8% | 6.0% | 8.5% | 59% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
5.9%
+0.6pp YoY -0.1pp QoQ |
-7.5pp | 13.4% | 12.8% | 12.5% | 26% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
10.2%
-0.1pp YoY +1.1pp QoQ |
-24.7pp | 35.0% | 23.0% | 31.3% | 21% |
| Consumer |
8.8%
+1.9pp YoY -0.3pp QoQ |
+1.2pp | 7.7% | 2.9% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
13.3%
-0.7pp YoY -0.3pp QoQ |
-4.4pp | 17.7% | 12.4% | 12.6% | 55% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
4
0 YoY 0 QoQ |
-8 | 12 | 64 | 482 | 2% |
| Assets per Employee ($) |
$10.2M
+2.6% YoY +2.1% QoQ |
+$4.0M | $6.2M | $8.9M | $8.8M | 94% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.8%
+1.2pp YoY +0.9pp QoQ |
+1.8pp | 1.0% | 0.4% | 0.4% | 94% |
| Nonaccrual |
1.0%
-0.8pp YoY -0.6pp QoQ |
-0.8pp | 1.7% | 1.0% | 1.0% | 55% |
| Allowance Coverage |
0.28x
-42.0% YoY -9.1% QoQ |
-6.13x | 6.41x | 18.97x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
1.2%
-1.2pp QoQ |
+1.0pp | 0.2% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.0%
-3.0pp YoY +0.3pp QoQ |
-0.4pp | 6.4% | 12.8% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.8%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$162,000
-30.8% YoY — QoQ |
-$156K | $317,817 | $4.0M | $40.4M | 31% |
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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.