BlastPoint's Banking Scorecard
Defiance State Bank
Designations: ✓ Community bank
Defiance, IA
2 branches across IA
Defiance State Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 7.06% below tier average
- + Delinquency Rate 1.29% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.14% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.5M
+2.7% YoY
+1.7% QoQ
|
-$19.7M |
$62.2M
-0.6% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
24% |
| Total Loans ? |
$31.8M
+4.8% YoY
+1.0% QoQ
|
-$2.4M |
$34.2M
-1.4% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
49% |
| Total Deposits ? |
$33.7M
+0.9% YoY
+8.4% QoQ
|
-$18.1M |
$51.7M
-0.7% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
23% |
| Return on Assets ? |
0.69%
-43.1% YoY
+19.5% QoQ
|
-0.14% |
0.84%
-2.3% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
3.84%
-6.4% YoY
-4.7% QoQ
|
-0.02% |
3.86%
+2.8% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
51% |
| Efficiency Ratio ? |
81.28%
+16.5% YoY
-1.7% QoQ
|
-7.06% |
88.34%
+0.3% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
33% |
| Delinquency Rate ? |
0.08%
-35.6% YoY
-10.9% QoQ
|
-1.29% |
1.37%
+33.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
94.58%
+3.8% YoY
-6.8% QoQ
|
+30.36% |
64.22%
-0.7% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 11.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.20%
-6.9% YoY
-0.4% QoQ
|
-9.51% |
23.71%
+0.3% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
22% |
| Nonperforming Asset Ratio ? |
0.06%
-34.3% YoY
-11.5% QoQ
|
-0.72% |
0.79%
+28.2% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
63% |
| Tier 1 Capital Ratio ? |
9.79%
+1.3% YoY
-5.4% QoQ
|
-16.90% |
26.68%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 5.5% in tier |
| Non-Interest Income / Assets ? |
0.04%
-13.4% YoY
-75.4% QoQ
|
-0.63% |
0.67%
+1.9% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
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.