BlastPoint's Banking Scorecard

The Watkins Savings Bank

under $100M Specialty: Agricultural IA FDIC cert 18071

Designations: ✓ Community bank

Watkins, IA

541 banks in the under $100M peer group nationally 33 in IA

The Watkins Savings Bank has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ Efficiency Ratio 16.44% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.99% below tier average
- Non-Interest Income / Assets 0.66% below tier average
- ROA 0.33% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$87.3M +6.2% YoY +4.9% QoQ	+$25.1M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$32.8M -3.7% YoY -1.8% QoQ	-$1.4M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$75.7M +5.8% YoY +5.4% QoQ	+$23.9M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	83%
Return on Assets ?	0.51% +41.4% YoY +47.4% QoQ	-0.33%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	1.87% +4.2% YoY +5.7% QoQ	-1.99%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 2.4% in tier
Efficiency Ratio ?	71.90% -8.7% YoY -7.8% QoQ	-16.44%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.00% -100.0% QoQ	-1.37%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	43.39% -9.0% YoY -6.8% QoQ	-20.83%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	76%
Non-Interest-Bearing Deposit Share ?	17.20% +1.2% YoY +17.8% QoQ	-6.51%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	31%
Nonperforming Asset Ratio ?	0.00% -100.0% QoQ	-0.79%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	15.08% -3.2% YoY +0.3% QoQ	-11.61%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.01% +21.0% YoY -59.2% QoQ	-0.66%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 6.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Total Deposits

size

Value: $75.68M

Peer Median: $51.74M

#91 of 541 Top 16.6% in under $100M

Total Assets

size

Value: $87.30M

Peer Median: $62.16M

#95 of 541 Top 17.4% in under $100M

129

Loan-to-Deposit Ratio

liquidity

Value: 43.39%

Peer Median: 64.22%

#129 of 541 Top 23.7% in under $100M

Top Weaknesses (2 metrics)

529

Net Interest Margin

profitability

Value: 1.87%

Peer Median: 3.86%

#529 of 541 Bottom 2.4% in under $100M

508

Non-Interest Income / Assets

revenue_mix

Value: 0.01%

Peer Median: 0.67%

#508 of 541 Bottom 6.3% in under $100M