BlastPoint's Banking Scorecard
Maquoketa State Bank
Maquoketa, IA
4 branches across IA
Maquoketa State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.14% above tier average
- + Efficiency Ratio 11.48% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.78% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$444.5M
+5.7% YoY
+2.5% QoQ
|
+$58.5M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
67% |
| Total Loans ? |
$221.3M
+6.9% YoY
+2.0% QoQ
|
-$34.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
54% |
| Total Deposits ? |
$343.0M
+4.4% YoY
+2.9% QoQ
|
+$15.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
62% |
| Return on Assets ? |
1.41%
+2.9% YoY
+4.7% QoQ
|
+0.14% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
63% |
| Net Interest Margin ? |
3.15%
-3.3% YoY
+0.3% QoQ
|
-0.78% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
16% |
| Efficiency Ratio ? |
53.80%
-3.7% YoY
-3.4% QoQ
|
-11.48% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
77% |
| Delinquency Rate ? |
1.22%
-10.0% YoY
+46.1% QoQ
|
+0.34% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
24% |
| Loan-to-Deposit Ratio ? |
64.52%
+2.5% YoY
-0.9% QoQ
|
-12.12% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
18.34%
+7.4% YoY
-4.6% QoQ
|
-3.68% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.63%
-17.1% YoY
+42.9% QoQ
|
-0.01% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
32% |
| Tier 1 Capital Ratio ? |
16.55%
+1.2% YoY
+0.8% QoQ
|
+0.72% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.22%
-1.3% YoY
-74.4% QoQ
|
-0.06% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 11.3% in tier |
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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.