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St. Ansgar State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 17259

Saint Ansgar, 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 +1.3% year over year ($136.2M on the books).
  • Delinquency rate 0.11%.
  • Return on assets 1.13%.
  • Efficiency ratio 58.79% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.14% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

St. Ansgar State Bank has 2 strengths but faces 5 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

  • + Efficiency Ratio 5.69% below tier average
  • + Delinquency Rate 0.80% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 7.6% in tier
  • - Liquidity Strain: Bottom 10.8% in tier
  • - Flatlined Growth: Bottom 36.1% in tier
  • - Net Interest Margin 1.04% below tier average
  • - ROA 0.19% below tier average
Get updates when St. Ansgar State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $182.0M
-0.6% YoY -3.9% QoQ
-$204.5M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
22%
Total Loans ? $122.8M
+2.6% YoY -6.1% QoQ
-$135.5M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $136.2M
+1.3% YoY -4.7% QoQ
-$190.5M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
17%
Return on Assets ? 1.13%
+26.8% YoY +9.1% QoQ
-0.19% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
42%
Net Interest Margin ? 2.95%
+12.6% YoY +2.1% QoQ
-1.04% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
Bottom 8.4% in tier
Efficiency Ratio ? 58.79%
-10.0% YoY -4.2% QoQ
-5.69% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
61%
Delinquency Rate ? 0.11%
-87.5% YoY -78.2% QoQ
-0.80% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
73%
Loan-to-Deposit Ratio ? 90.14%
+1.2% YoY -1.5% QoQ
+12.18% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
26%
Non-Interest-Bearing Deposit Share ? 14.99%
+10.7% YoY -3.0% QoQ
-7.04% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
24%
Nonperforming Asset Ratio ? 0.08%
-87.1% YoY -78.7% QoQ
-0.59% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
74%
Tier 1 Capital Ratio ? 9.74%
+4.4% YoY +2.7% QoQ
-6.17% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Bottom 7.6% in tier
Non-Interest Income / Assets ? 0.08%
+30.4% YoY +65.5% QoQ
-0.49% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Bottom 11.9% in tier

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 15.0%
+1.4pp YoY
-0.5pp QoQ
 -7.2pp 22.1% 17.8% 22.2% 24%
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 13.0%
+0.1pp YoY
-1.8pp QoQ
 +1.4pp 11.6% 12.8% 12.5% 68%
CRE 5.9%
+0.3pp QoQ
 -33.6pp 39.5% 28.3% 41.4% 2%
1-4 Family 22.6%
+1.8pp YoY
+2.4pp QoQ
 -10.0pp 32.6% 23.0% 31.3% 36%
Consumer 1.4%
-0.2pp YoY
+0.1pp QoQ
 -2.7pp 4.1% 2.9% 5.0% 38%

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 9.7%
+0.4pp YoY
+0.3pp QoQ
 -2.4pp 12.2% 12.4% 12.6% 26%
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 18
-1 (-5.3%) YoY
0 QoQ
 -41 58 64 482 8%
Assets per Employee ($) $10.1M
+5.0% YoY
-3.9% QoQ
 +$2.6M $7.5M $8.9M $8.8M 86%
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 0.1%
-0.8pp YoY
-0.4pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 54%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 7.69x
+752.3% YoY
+398.5% QoQ
 -16.47x 24.15x 18.97x 20.23x 78%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.7%
+2.1pp YoY
+0.8pp QoQ
 -0.5pp 12.2% 12.8% 11.6% 48%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 74%
Net Income ($, YTD) $1.1M
+24.7% YoY
— QoQ
 -$1.5M $2.6M $4.0M $40.4M 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 (3)

Capital Thin

risk
#51 of 661 • Bottom 7.6% 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: 9.74%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Liquidity Strain

risk
#76 of 691 • Bottom 10.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.14%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#192 of 529 • Bottom 36.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 1.13%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 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 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2443
Tier 1 Capital Ratio
capital
Value: 9.74%
Peer Median: 15.91%
#2443 of 2643 Bottom 7.6% in $100M-$1B
2421
Net Interest Margin
profitability
Value: 2.95%
Peer Median: 3.99%
#2421 of 2643 Bottom 8.4% in $100M-$1B
2330
Non-Interest Income / Assets
revenue_mix
Value: 0.08%
Peer Median: 0.57%
#2330 of 2643 Bottom 11.9% in $100M-$1B
2191
Total Deposits
size
Value: $136.25M
Peer Median: $326.73M
#2191 of 2643 Bottom 17.1% in $100M-$1B
2067
Total Assets
size
Value: $182.04M
Peer Median: $386.57M
#2067 of 2643 Bottom 21.8% in $100M-$1B
2001
Non-Interest-Bearing Deposit Share
funding
Value: 14.99%
Peer Median: 22.03%
#2001 of 2643 Bottom 24.3% in $100M-$1B
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