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South Story Bank & Trust

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

Slater, IA

6 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 +5.5% year over year ($491.3M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 0.65%.
  • Efficiency ratio 73.07% vs a 64.48% peer average.
  • Loan-to-deposit ratio 115.10% 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) →

South Story Bank & Trust has 1 strength but faces 6 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 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 18.9% in tier
  • - Credit Risk Growth: Bottom 19.7% in tier
  • - Capital Thin: Bottom 29.0% in tier
  • - Loan-to-Deposit Ratio 37.14% above tier average
  • - ROA 0.67% below tier average
  • - Efficiency Ratio 8.59% above tier average
Get updates when South Story Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $623.9M
+0.6% YoY +2.7% QoQ
+$237.3M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
82%
Total Loans ? $565.5M
+2.0% YoY +2.3% QoQ
+$307.1M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 7.3% in tier
Total Deposits ? $491.3M
+5.5% YoY +1.7% QoQ
+$164.6M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
79%
Return on Assets ? 0.65%
+32.4% YoY +17.5% QoQ
-0.67% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
17%
Net Interest Margin ? 4.00%
+12.0% YoY +4.2% QoQ
+0.01% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
53%
Efficiency Ratio ? 73.07%
-3.3% YoY -2.7% QoQ
+8.59% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.79%
+86.7% YoY -0.3% QoQ
-0.13% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
35%
Loan-to-Deposit Ratio ? 115.10%
-3.4% YoY +0.6% QoQ
+37.14% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 2.0% in tier
Non-Interest-Bearing Deposit Share ? 10.44%
-8.3% YoY +4.0% QoQ
-11.59% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 11.5% in tier
Nonperforming Asset Ratio ? 0.87%
+131.2% YoY -1.1% QoQ
+0.20% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
24%
Tier 1 Capital Ratio ? 10.93%
+6.5% YoY +1.4% QoQ
-4.98% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
22%
Non-Interest Income / Assets ? 0.14%
+14.8% YoY +110.8% QoQ
-0.43% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
30%

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 10.4%
-0.9pp YoY
+0.4pp QoQ
 -11.7pp 22.1% 17.8% 22.2% 11%
Brokered Deposits 22.0%
-0.1pp YoY
-0.4pp QoQ
 +14.2pp 7.9% 6.0% 8.5% 93%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 20.8%
+0.3pp YoY
+1.7pp QoQ
 +9.3pp 11.6% 12.8% 12.5% 90%
CRE 48.3%
+0.1pp YoY
-0.2pp QoQ
 +8.8pp 39.5% 28.3% 41.4% 68%
1-4 Family 25.7%
+0.7pp YoY
-0.5pp QoQ
 -7.0pp 32.6% 23.0% 31.3% 42%
Consumer 0.2%
0.0pp YoY
0.0pp QoQ
 -3.9pp 4.1% 2.9% 5.0% 10%

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 10.9%
+0.7pp YoY
+0.2pp QoQ
 -1.2pp 12.2% 12.4% 12.6% 49%
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 83
+10 (+13.7%) YoY
-2 (-2.4%) QoQ
 +24 58 64 482 79%
Assets per Employee ($) $7.5M
-11.5% YoY
+5.2% QoQ
 -$1K $7.5M $8.9M $8.8M 61%
Branch Count 6
0 YoY
0 QoQ
 +1 4 5 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.8%
+0.4pp YoY
0.0pp QoQ
 -0.1pp 0.9% 1.0% 1.0% 65%
Allowance Coverage 1.61x
-39.4% YoY
+2.6% QoQ
 -22.55x 24.15x 18.97x 20.23x 41%
Net Charge-off Rate (YTD) 0.1%
-0.5pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 67%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 5.5%
+1.1pp YoY
+0.8pp QoQ
 -6.6pp 12.2% 12.8% 11.6% 15%
Cost of Funds (YTD) 2.5%
-0.4pp YoY
0.0pp QoQ
 +0.8pp 1.7% 1.8% 1.7% 90%
Net Income ($, YTD) $2.0M
+35.7% YoY
— QoQ
 -$553K $2.6M $4.0M $40.4M 52%

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)

Flatlined Growth

risk
#101 of 529 • Bottom 18.9% 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: 0.65%
(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

Credit Risk Growth

risk
#185 of 936 • Bottom 19.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Capital Thin

risk
#193 of 661 • Bottom 29.0% 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: 10.93%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | 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 (3 metrics)

195
Total Loans
size
Value: $565.49M
Peer Median: $258.35M
#195 of 2643 Top 7.3% in $100M-$1B
472
Total Assets
size
Value: $623.91M
Peer Median: $386.57M
#472 of 2643 Top 17.8% in $100M-$1B
556
Total Deposits
size
Value: $491.32M
Peer Median: $326.73M
#556 of 2643 Top 21.0% in $100M-$1B

Top Weaknesses (6 metrics)

2592
Loan-to-Deposit Ratio
liquidity
Value: 115.10%
Peer Median: 77.95%
#2592 of 2643 Bottom 2.0% in $100M-$1B
2340
Non-Interest-Bearing Deposit Share
funding
Value: 10.44%
Peer Median: 22.03%
#2340 of 2643 Bottom 11.5% in $100M-$1B
2197
Return on Assets
profitability
Value: 0.65%
Peer Median: 1.32%
#2197 of 2643 Bottom 16.9% in $100M-$1B
2057
Tier 1 Capital Ratio
capital
Value: 10.93%
Peer Median: 15.91%
#2057 of 2643 Bottom 22.2% in $100M-$1B
2016
Efficiency Ratio
profitability
Value: 73.07%
Peer Median: 64.48%
#2016 of 2643 Bottom 23.8% in $100M-$1B
2015
Nonperforming Asset Ratio
credit_quality
Value: 0.87%
Peer Median: 0.67%
#2015 of 2643 Bottom 23.8% in $100M-$1B
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