BlastPoint's Banking Scorecard
Danville State Savings Bank
New London, IA
2 branches across IA
Danville State Savings Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 22.1% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.07% below tier average
- - Delinquency Rate 1.62% above tier average
- - Nonperforming Asset Ratio 1.03% above tier average
- - ROA 0.47% below tier average
- - Efficiency Ratio 9.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$183.3M
+5.3% YoY
+3.1% QoQ
|
-$202.7M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
22% |
| Total Loans ? |
$105.2M
+2.5% YoY
-0.7% QoQ
|
-$150.6M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$160.0M
+5.6% YoY
+4.0% QoQ
|
-$167.9M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
24% |
| Return on Assets ? |
0.80%
+35.8% YoY
+14.5% QoQ
|
-0.47% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
2.86%
+12.0% YoY
+4.5% QoQ
|
-1.07% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio ? |
75.18%
-5.7% YoY
-1.1% QoQ
|
+9.89% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
2.50%
-40.3% YoY
+0.7% QoQ
|
+1.62% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.2% in tier |
| Loan-to-Deposit Ratio ? |
65.70%
-3.0% YoY
-4.5% QoQ
|
-10.94% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
74% |
| Non-Interest-Bearing Deposit Share ? |
15.71%
-3.3% YoY
+4.3% QoQ
|
-6.31% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
27% |
| Nonperforming Asset Ratio ? |
1.67%
-32.5% YoY
-6.0% QoQ
|
+1.03% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.6% in tier |
| Tier 1 Capital Ratio ? |
12.21%
+0.0% YoY
-3.3% QoQ
|
-3.62% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.41%
+5.5% YoY
-72.2% QoQ
|
+0.13% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 4.2% 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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.