BlastPoint's Banking Scorecard
Iowa Trust and Savings Bank
Centerville, IA
2 branches across IA
Iowa Trust and Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 8.4% in tier
- + ROA 0.39% above tier average
- + Efficiency Ratio 10.40% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 6.3% in tier
- - Net Interest Margin 0.28% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$211.4M
+2.3% YoY
+5.4% QoQ
|
-$174.7M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$90.6M
-2.5% YoY
-3.1% QoQ
|
-$165.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$147.9M
-2.0% YoY
+5.4% QoQ
|
-$180.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.66%
-3.8% YoY
+11.7% QoQ
|
+0.39% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
75% |
| Net Interest Margin ? |
3.65%
+0.1% YoY
-3.6% QoQ
|
-0.28% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
38% |
| Efficiency Ratio ? |
54.89%
+3.6% YoY
+1.2% QoQ
|
-10.40% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
74% |
| Delinquency Rate ? |
0.04%
+161.9% QoQ
|
-0.85% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
61.24%
-0.5% YoY
-8.0% QoQ
|
-15.40% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
25.92%
+30.2% YoY
+30.0% QoQ
|
+3.90% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.02%
+140.7% QoQ
|
-0.62% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
85% |
| Tier 1 Capital Ratio ? |
13.86%
+5.5% YoY
+0.1% QoQ
|
-1.97% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.06%
-2.2% YoY
-77.4% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
29% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.