BlastPoint

BlastPoint's Banking Scorecard

Mediapolis Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15772

Mediapolis, IA

5 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Mediapolis Savings Bank has 3 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.10% above tier average
  • + Efficiency Ratio 5.45% below tier average
  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 41.3% in tier
  • - Net Interest Margin 0.26% below tier average
Get updates when Mediapolis Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $272.6M
+5.0% YoY +5.5% QoQ
-$113.4M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
41%
Total Loans ? $205.1M
+9.2% YoY +3.3% QoQ
-$50.7M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
50%
Total Deposits ? $232.0M
+3.0% YoY +4.4% QoQ
-$95.9M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
41%
Return on Assets ? 1.37%
+25.7% YoY +9.1% QoQ
+0.10% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
60%
Net Interest Margin ? 3.67%
+10.8% YoY +4.7% QoQ
-0.26% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
39%
Efficiency Ratio ? 59.84%
-8.0% YoY -3.4% QoQ
-5.45% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
60%
Delinquency Rate ? 0.30%
-20.3% YoY +2.6% QoQ
-0.58% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
57%
Loan-to-Deposit Ratio ? 88.37%
+6.1% YoY -1.1% QoQ
+11.74% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
28%
Non-Interest-Bearing Deposit Share ? 15.78%
-2.6% YoY -9.6% QoQ
-6.24% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
27%
Nonperforming Asset Ratio ? 0.23%
-17.2% YoY +0.4% QoQ
-0.41% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
57%
Tier 1 Capital Ratio ? 10.13%
+11.4% YoY +13.2% QoQ
-5.70% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 11.2% in tier
Non-Interest Income / Assets ? 0.06%
-21.4% YoY -81.2% QoQ
-0.22% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
28%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#276 of 666 • Bottom 41.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 10.13%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

2367
Tier 1 Capital Ratio
capital
Value: 10.13%
Peer Median: 15.83%
#2367 of 2664 Bottom 11.2% in $100M-$1B
Powered by BlastPoint © 2026