BlastPoint's Banking Scorecard
Iowa Trust & Savings Bank
Emmetsburg, IA
4 branches across IA
Iowa Trust & Savings Bank has 1 strength but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 3.3% in tier
- - Capital Constraint: Bottom 23.2% in tier
- - Deposit Outflow: Bottom 30.8% in tier
- - ROA 0.50% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 10.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$517.6M
-4.7% YoY
-1.1% QoQ
|
+$131.5M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
74% |
| Total Loans ? |
$364.4M
-4.8% YoY
+5.8% QoQ
|
+$108.7M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$392.5M
-8.5% YoY
-0.4% QoQ
|
+$64.5M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
69% |
| Return on Assets ? |
0.77%
-1.3% YoY
-35.0% QoQ
|
-0.50% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
24% |
| Net Interest Margin ? |
3.51%
+8.7% YoY
+4.8% QoQ
|
-0.42% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
75.71%
+5.6% YoY
+14.7% QoQ
|
+10.42% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.33%
-34.1% YoY
-24.4% QoQ
|
-0.56% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
92.85%
+4.1% YoY
+6.3% QoQ
|
+16.21% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
19% |
| Non-Interest-Bearing Deposit Share ? |
18.09%
+4.1% YoY
+1.3% QoQ
|
-3.93% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.27%
-63.0% YoY
-16.7% QoQ
|
-0.36% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
12.66%
+11.9% YoY
-2.5% QoQ
|
-3.17% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.09%
+92.7% YoY
-91.4% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (3)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.