BlastPoint's Banking Scorecard
Chelsea Savings Bank
Belle Plaine, IA
5 branches across IA
Chelsea Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 49.9% in tier
- + Efficiency Ratio 21.30% below tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.25% below tier average
- - Net Interest Margin 0.53% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$198.3M
+3.9% YoY
-0.7% QoQ
|
-$187.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$80.9M
+9.4% YoY
-1.9% QoQ
|
-$174.8M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.6% in tier |
| Total Deposits ? |
$174.5M
+2.5% YoY
-1.4% QoQ
|
-$153.5M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
28% |
| Return on Assets ? |
1.71%
+33.2% YoY
+7.6% QoQ
|
+0.44% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
78% |
| Net Interest Margin ? |
3.40%
+7.2% YoY
+0.8% QoQ
|
-0.53% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
26% |
| Efficiency Ratio ? |
43.99%
-13.1% YoY
-5.9% QoQ
|
-21.30% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 7.8% in tier |
| Delinquency Rate ? |
0.26%
-11.1% YoY
+3.0% QoQ
|
-0.63% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
46.39%
+6.7% YoY
-0.6% QoQ
|
-30.25% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 7.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.65%
-6.8% YoY
-9.7% QoQ
|
-3.37% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
39% |
| Nonperforming Asset Ratio ? |
0.11%
-6.4% YoY
+1.7% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
69% |
| Tier 1 Capital Ratio ? |
16.20%
+6.1% YoY
+3.3% QoQ
|
+0.37% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.03%
-6.6% YoY
-81.9% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 9.4% 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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.