BlastPoint's Banking Scorecard
Keystone Savings Bank
Marengo, IA
5 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 +2.7% year over year ($168.7M on the books).
- Delinquency rate 1.46%.
- Return on assets 0.50%.
- Efficiency ratio 77.89% vs a 64.48% peer average.
- Loan-to-deposit ratio 73.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Keystone Savings Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - ROA 0.83% below tier average
- - Net Interest Margin 0.58% below tier average
- - Efficiency Ratio 13.41% above tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$200.8M
+3.3% YoY
-4.4% QoQ
|
-$185.8M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
27% |
| Total Loans ? |
$124.4M
+7.6% YoY
+4.3% QoQ
|
-$134.0M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$168.7M
+2.7% YoY
-5.1% QoQ
|
-$158.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
26% |
| Return on Assets ? |
0.50%
-35.3% YoY
+53.2% QoQ
|
-0.83% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.1% in tier |
| Net Interest Margin ? |
3.41%
+0.4% YoY
+1.5% QoQ
|
-0.58% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
77.89%
+6.9% YoY
-2.5% QoQ
|
+13.41% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
16% |
| Delinquency Rate ? |
1.46%
-7.1% YoY
-3.0% QoQ
|
+0.54% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
73.72%
+4.8% YoY
+9.9% QoQ
|
-4.23% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
23.76%
+1.8% YoY
+5.4% QoQ
|
+1.73% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.91%
-3.2% YoY
+5.8% QoQ
|
+0.24% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
15.37%
-3.5% YoY
-3.2% QoQ
|
-0.54% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.10%
-7.8% YoY
+119.0% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
18% |
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 |
23.8%
+0.4pp YoY +1.2pp QoQ |
+1.6pp | 22.1% | 17.8% | 22.2% | 61% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
19.4%
0.0pp YoY +2.8pp QoQ |
+7.8pp | 11.6% | 12.8% | 12.5% | 87% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
20.9%
-1.2pp YoY -1.1pp QoQ |
-11.7pp | 32.6% | 23.0% | 31.3% | 32% |
| Consumer |
1.4%
-0.1pp YoY -0.2pp QoQ |
-2.7pp | 4.1% | 2.9% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.4%
-0.6pp YoY -0.5pp QoQ |
-3.5pp | 18.8% | 15.4% | 19.7% | 53% |
| Leverage Ratio |
11.3%
-0.2pp YoY -0.5pp QoQ |
-0.9pp | 12.2% | 12.4% | 12.6% | 55% |
| Total Capital Ratio |
16.5%
-0.4pp YoY -0.5pp QoQ |
-3.5pp | 19.9% | 16.5% | 20.8% | 52% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
30
+1 (+3.4%) YoY -1 (-3.2%) QoQ |
-29 | 58 | 64 | 482 | 26% |
| Assets per Employee ($) |
$6.7M
-0.2% YoY -1.2% QoQ |
-$826K | $7.5M | $8.9M | $8.8M | 46% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 5 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 23% |
| Nonaccrual |
1.4%
-0.1pp YoY -0.1pp QoQ |
+0.5pp | 0.9% | 1.0% | 1.0% | 81% |
| Allowance Coverage |
0.86x
+13.9% YoY -0.5% QoQ |
-23.29x | 24.15x | 18.97x | 20.23x | 23% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 56% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.8%
-3.0pp YoY +1.6pp QoQ |
-7.4pp | 12.2% | 12.8% | 11.6% | 13% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY +0.1pp QoQ |
-0.1pp | 1.7% | 1.8% | 1.7% | 48% |
| Net Income ($, YTD) |
$501,000
-31.7% YoY — QoQ |
-$2.1M | $2.6M | $4.0M | $40.4M | 11% |
Get Full Access to Keystone Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.