BlastPoint's Banking Scorecard
Bellevue State Bank
Bellevue, IA
Bellevue State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19.7% in tier
- + Efficiency Ratio 27.22% below tier average
- + Delinquency Rate 0.64% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 61.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$181.0M
+7.1% YoY
-4.0% QoQ
|
-$205.1M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$123.1M
+8.2% YoY
-1.8% QoQ
|
-$132.6M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$151.3M
+3.1% YoY
-4.9% QoQ
|
-$176.6M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
22% |
| Return on Assets ? |
2.26%
+24.3% YoY
+16.7% QoQ
|
+0.99% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 7.8% in tier |
| Net Interest Margin ? |
3.93%
+15.9% YoY
+9.7% QoQ
|
+0.00% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
53% |
| Efficiency Ratio ? |
38.07%
-13.8% YoY
-12.9% QoQ
|
-27.22% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 2.6% in tier |
| Delinquency Rate ? |
0.25%
-71.9% YoY
-1.1% QoQ
|
-0.64% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
81.33%
+5.0% YoY
+3.3% QoQ
|
+4.69% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
18.43%
-15.4% YoY
-17.1% QoQ
|
-3.59% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.17%
-71.6% YoY
+1.2% QoQ
|
-0.47% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
13.99%
-1.9% YoY
+0.7% QoQ
|
-1.84% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.05%
-4.4% YoY
-77.6% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
18% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.