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South Story Bank & Trust

$100M-$1B Specialty: Commercial IA FDIC cert 17348

Slater, IA

6 branches across IA

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

South Story Bank & Trust has 1 strength but faces 7 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

  • + Delinquency Rate 0.10% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 16.4% in tier
  • - Capital Thin: Bottom 26.0% in tier
  • - Credit Quality Pressure: Bottom 39.6% in tier
  • - Liquidity Strain: Bottom 49.3% in tier
  • - ROA 0.71% below tier average
  • - Net Interest Margin 0.09% below tier average
  • - Efficiency Ratio 9.84% above tier average
Get updates when South Story Bank & Trust releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $607.3M
+0.6% YoY -0.5% QoQ
+$221.3M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
81%
Total Loans ? $552.7M
+0.4% YoY +0.7% QoQ
+$297.0M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Top 8.0% in tier
Total Deposits ? $483.3M
+8.7% YoY +2.4% QoQ
+$155.4M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
78%
Return on Assets ? 0.56%
+4.9% YoY -9.0% QoQ
-0.71% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
Bottom 14.6% in tier
Net Interest Margin ? 3.84%
+8.9% YoY +3.6% QoQ
-0.09% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
49%
Efficiency Ratio ? 75.13%
-1.7% YoY +2.8% QoQ
+9.84% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
22%
Delinquency Rate ? 0.79%
+22.3% YoY -31.5% QoQ
-0.10% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
34%
Loan-to-Deposit Ratio ? 114.36%
-7.6% YoY -1.6% QoQ
+37.72% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
Bottom 1.7% in tier
Non-Interest-Bearing Deposit Share ? 10.04%
-12.4% YoY -17.0% QoQ
-11.98% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Bottom 10.8% in tier
Nonperforming Asset Ratio ? 0.88%
+49.8% YoY -27.5% QoQ
+0.24% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
23%
Tier 1 Capital Ratio ? 10.77%
+8.0% YoY +2.9% QoQ
-5.06% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
20%
Non-Interest Income / Assets ? 0.07%
+20.7% YoY -75.0% QoQ
-0.21% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
29%

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 (4)

Flatlined Growth

risk
#85 of 512 • Bottom 16.4% 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: 0.56%
(Tier: 1.27%, National: 1.23%)
worse than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 banks QoQ

Capital Thin

risk
#174 of 666 • Bottom 26.0% 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: 10.77%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#519 of 1308 • Bottom 39.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.79%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#318 of 643 • Bottom 49.3% 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: 114.36%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

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 (3 metrics)

214
Total Loans
size
Value: $552.74M
Peer Median: $255.72M
#214 of 2664 Top 8.0% in $100M-$1B
504
Total Assets
size
Value: $607.35M
Peer Median: $386.08M
#504 of 2664 Top 18.9% in $100M-$1B
590
Total Deposits
size
Value: $483.33M
Peer Median: $327.97M
#590 of 2664 Top 22.1% in $100M-$1B

Top Weaknesses (6 metrics)

2619
Loan-to-Deposit Ratio
liquidity
Value: 114.36%
Peer Median: 76.64%
#2619 of 2664 Bottom 1.7% in $100M-$1B
2376
Non-Interest-Bearing Deposit Share
funding
Value: 10.04%
Peer Median: 22.02%
#2376 of 2664 Bottom 10.8% in $100M-$1B
2276
Return on Assets
profitability
Value: 0.56%
Peer Median: 1.27%
#2276 of 2664 Bottom 14.6% in $100M-$1B
2121
Tier 1 Capital Ratio
capital
Value: 10.77%
Peer Median: 15.83%
#2121 of 2664 Bottom 20.4% in $100M-$1B
2075
Efficiency Ratio
profitability
Value: 75.13%
Peer Median: 65.29%
#2075 of 2664 Bottom 22.1% in $100M-$1B
2052
Nonperforming Asset Ratio
credit_quality
Value: 0.88%
Peer Median: 0.64%
#2052 of 2664 Bottom 23.0% in $100M-$1B
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