BlastPoint's Banking Scorecard
Defiance State Bank
Designations: ✓ Community bank
Defiance, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits +3.9% year over year ($33.5M on the books).
- Delinquency rate 0.08%.
- Return on assets 0.71%.
- Efficiency ratio 80.65% vs a 119.40% peer average.
- Loan-to-deposit ratio 95.35% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Defiance State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 38.75% below tier average
- + Delinquency Rate 1.40% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.6M
+8.7% YoY
+0.3% QoQ
|
-$19.8M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$32.0M
+10.9% YoY
+0.4% QoQ
|
-$2.9M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
48% |
| Total Deposits ? |
$33.5M
+3.9% YoY
-0.4% QoQ
|
-$18.1M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
22% |
| Return on Assets ? |
0.71%
-18.9% YoY
+3.0% QoQ
|
-0.28% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
36% |
| Net Interest Margin ? |
3.93%
-0.7% YoY
+2.5% QoQ
|
+0.02% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
80.65%
+4.5% YoY
-0.8% QoQ
|
-38.75% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
30% |
| Delinquency Rate ? |
0.08%
-96.3% YoY
-7.8% QoQ
|
-1.40% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
95.35%
+6.8% YoY
+0.8% QoQ
|
+21.14% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 13.1% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.98%
-16.0% YoY
-8.6% QoQ
|
-10.51% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.06%
-96.3% YoY
-7.7% QoQ
|
-0.78% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
9.86%
-1.9% YoY
+0.8% QoQ
|
-17.26% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 4.9% in tier |
| Non-Interest Income / Assets ? |
0.07%
-10.9% YoY
+93.2% QoQ
|
-1.31% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
27% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
13.0%
-2.5pp YoY -1.2pp QoQ |
-11.7pp | 24.6% | 17.8% | 22.2% | 16% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
5.9%
-1.5pp YoY +0.1pp QoQ |
-7.5pp | 13.4% | 12.8% | 12.5% | 26% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
21.8%
+1.1pp YoY -1.5pp QoQ |
-13.2pp | 35.0% | 23.0% | 31.3% | 39% |
| Consumer |
6.7%
-0.1pp YoY +0.5pp QoQ |
-1.0pp | 7.7% | 2.9% | 5.0% | 62% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
9.9%
-0.2pp YoY +0.1pp QoQ |
-7.8pp | 17.7% | 12.4% | 12.6% | 16% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
0 YoY 0 QoQ |
-5 | 12 | 64 | 482 | 20% |
| Assets per Employee ($) |
$6.1M
+8.7% YoY +0.3% QoQ |
-$100K | $6.2M | $8.9M | $8.8M | 52% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 5 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-2.1pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.4% | 0.4% | 23% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
8.00x
+2684.2% YoY +8.0% QoQ |
+1.59x | 6.41x | 18.97x | 20.23x | 86% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.3%
-1.7pp YoY +0.2pp QoQ |
+0.9pp | 6.4% | 12.8% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.4%
0.0pp YoY 0.0pp QoQ |
0.0pp | 1.4% | 1.8% | 1.7% | 49% |
| Net Income ($, YTD) |
$151,000
-15.6% YoY — QoQ |
-$167K | $317,817 | $4.0M | $40.4M | 30% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.