BlastPoint's Banking Scorecard
Keystone Savings Bank
Marengo, IA
5 branches across IA
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
- - Return on Assets 0.95% below tier average
- - Net Interest Margin 0.57% below tier average
- - Efficiency Ratio 14.62% above tier average
- - Delinquency Rate 0.62% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$210.0M
+3.3% YoY
+7.6% QoQ
|
-$176.1M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
29% |
| Total Loans ? |
$119.2M
+8.6% YoY
+1.8% QoQ
|
-$136.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$177.8M
+2.8% YoY
+9.0% QoQ
|
-$150.2M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
29% |
| Return on Assets ? |
0.32%
-63.1% YoY
-52.6% QoQ
|
-0.95% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 8.6% in tier |
| Net Interest Margin ? |
3.36%
-1.1% YoY
-0.2% QoQ
|
-0.57% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
79.91%
+13.7% YoY
+7.8% QoQ
|
+14.62% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
1.51%
-7.9% YoY
-4.7% QoQ
|
+0.62% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
67.06%
+5.7% YoY
-6.6% QoQ
|
-9.58% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
22.54%
-6.7% YoY
-6.9% QoQ
|
+0.52% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.86%
-3.2% YoY
-9.8% QoQ
|
+0.22% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
24% |
| Tier 1 Capital Ratio ? |
15.88%
-3.2% YoY
-0.0% QoQ
|
+0.05% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
72% |
| Non-Interest Income / Assets ? |
0.05%
-14.0% YoY
-78.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
17% |
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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.