BlastPoint's Banking Scorecard
State Savings Bank
Bedford, IA
5 branches across IA
State Savings Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.04% below tier average
- + ROA 0.28% above tier average
- + Net Interest Margin 0.24% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 47.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$208.6M
+6.2% YoY
+6.3% QoQ
|
-$177.5M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$178.2M
+6.1% YoY
-0.8% QoQ
|
-$77.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
44% |
| Total Deposits ? |
$182.6M
+6.5% YoY
+7.5% QoQ
|
-$145.4M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.55%
+13.3% YoY
+6.0% QoQ
|
+0.28% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
70% |
| Net Interest Margin ? |
4.17%
+12.7% YoY
+2.7% QoQ
|
+0.24% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
41.25%
-1.9% YoY
-6.0% QoQ
|
-24.04% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 5.1% in tier |
| Delinquency Rate ? |
0.87%
+343.3% YoY
+38.7% QoQ
|
-0.02% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
97.60%
-0.3% YoY
-7.8% QoQ
|
+20.96% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
22.01%
+9.6% YoY
+4.9% QoQ
|
-0.01% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.77%
+357.2% YoY
+33.6% QoQ
|
+0.13% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
27% |
| Tier 1 Capital Ratio ? |
10.40%
+2.1% YoY
+0.9% QoQ
|
-5.43% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 14.9% in tier |
| Non-Interest Income / Assets ? |
0.04%
-28.6% YoY
-82.7% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
16% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.