BlastPoint's Banking Scorecard
Danville State Savings Bank
New London, IA
2 branches across 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +3.2% year over year ($159.0M on the books).
- Delinquency rate 2.29%.
- Return on assets 0.89%.
- Efficiency ratio 71.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.62% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Danville State Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 30.4% in tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.00% below tier average
- - ROA 0.43% below tier average
- - Efficiency Ratio 6.96% above tier average
- - Delinquency Rate 1.38% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$182.6M
+3.1% YoY
-0.4% QoQ
|
-$203.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
22% |
| Total Loans ? |
$105.9M
+0.5% YoY
+0.7% QoQ
|
-$152.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$159.0M
+3.2% YoY
-0.7% QoQ
|
-$167.8M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
24% |
| Return on Assets ? |
0.89%
+36.8% YoY
+11.5% QoQ
|
-0.43% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
28% |
| Net Interest Margin ? |
2.99%
+14.9% YoY
+4.5% QoQ
|
-1.00% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 9.6% in tier |
| Efficiency Ratio ? |
71.44%
-7.9% YoY
-5.0% QoQ
|
+6.96% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
27% |
| Delinquency Rate ? |
2.29%
-41.8% YoY
-8.4% QoQ
|
+1.38% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.3% in tier |
| Loan-to-Deposit Ratio ? |
66.62%
-2.6% YoY
+1.4% QoQ
|
-11.33% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
14.77%
+1.7% YoY
-6.0% QoQ
|
-7.26% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.61%
-31.1% YoY
-3.3% QoQ
|
+0.95% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.6% in tier |
| Tier 1 Capital Ratio ? |
12.38%
-0.5% YoY
+1.4% QoQ
|
-3.53% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.75%
+3.3% YoY
+80.3% QoQ
|
+0.18% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 5.3% in tier |
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 |
14.8%
+0.2pp YoY -0.9pp QoQ |
-7.4pp | 22.1% | 17.8% | 22.2% | 23% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-1.5pp YoY -0.9pp QoQ |
-3.9pp | 11.6% | 12.8% | 12.5% | 37% |
| CRE |
17.2%
-2.2pp YoY 0.0pp QoQ |
-22.3pp | 39.5% | 28.3% | 41.4% | 14% |
| 1-4 Family |
51.7%
+1.1pp YoY -0.5pp QoQ |
+19.1pp | 32.6% | 23.0% | 31.3% | 84% |
| Consumer |
4.4%
+0.1pp YoY -0.4pp QoQ |
+0.3pp | 4.1% | 2.9% | 5.0% | 74% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
12.4%
-0.1pp YoY +0.2pp QoQ |
+0.2pp | 12.2% | 12.4% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
0 YoY +2 (+5.1%) QoQ |
-18 | 58 | 64 | 482 | 42% |
| Assets per Employee ($) |
$4.5M
+3.1% YoY -5.2% QoQ |
-$3.1M | $7.5M | $8.9M | $8.8M | 8% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 32% |
| Nonaccrual |
2.3%
-1.5pp YoY -0.2pp QoQ |
+1.3pp | 0.9% | 1.0% | 1.0% | 90% |
| Allowance Coverage |
0.41x
+38.6% YoY -27.2% QoQ |
-23.74x | 24.15x | 18.97x | 20.23x | 7% |
| Net Charge-off Rate (YTD) |
1.1%
+1.1pp YoY +1.1pp QoQ |
+1.0pp | 0.1% | 0.1% | 0.2% | 98% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.1%
+1.9pp YoY +0.8pp QoQ |
-5.1pp | 12.2% | 12.8% | 11.6% | 22% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 47% |
| Net Income ($, YTD) |
$806,000
+41.2% YoY — QoQ |
-$1.7M | $2.6M | $4.0M | $40.4M | 20% |
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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.