BlastPoint's Banking Scorecard

State Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 248

West Des Moines, IA

2 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 +17.7% year over year ($222.1M on the books).
Delinquency rate 1.03%.
Return on assets 1.26%.
Efficiency ratio 54.39% vs a 64.48% peer average.
Loan-to-deposit ratio 104.38% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

State Savings Bank has 2 strengths but faces 4 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

+ Non-Interest-Bearing Deposit Share 27.98% above tier average
+ Efficiency Ratio 10.08% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 32.7% in tier
- ROA 0.06% below tier average
- Net Interest Margin 0.35% below tier average
- Delinquency Rate 0.11% above tier average

Get updates when State Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$291.9M +12.6% YoY -10.9% QoQ	-$94.7M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	44%
Total Loans ?	$231.8M -2.0% YoY +0.9% QoQ	-$26.5M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	55%
Total Deposits ?	$222.1M +17.7% YoY -14.2% QoQ	-$104.6M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	39%
Return on Assets ?	1.26% -3.2% YoY +8.6% QoQ	-0.06%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	51%
Net Interest Margin ?	3.64% -7.3% YoY +5.3% QoQ	-0.35%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	34%
Efficiency Ratio ?	54.39% -4.6% YoY -2.1% QoQ	-10.08%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	73%
Delinquency Rate ?	1.03% +754.4% YoY -22.3% QoQ	+0.11%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	104.38% -16.8% YoY +17.7% QoQ	+26.43%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 6.1% in tier
Non-Interest-Bearing Deposit Share ?	50.01% +100.2% YoY -16.2% QoQ	+27.98%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Top 1.5% in tier
Nonperforming Asset Ratio ?	0.82% +643.6% YoY -12.0% QoQ	+0.15%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	10.79% +15.1% YoY +15.2% QoQ	-5.11%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.10% -15.5% YoY +156.8% QoQ	-0.47%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	19%

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	50.0% +25.0pp YoY -9.6pp QoQ	+27.9pp	22.1%	17.8%	22.2%	98%
Brokered Deposits	0.7% +0.1pp QoQ	-7.2pp	7.9%	6.0%	8.5%	14%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	14.7% -0.3pp YoY +0.5pp QoQ	+3.1pp	11.6%	12.8%	12.5%	75%
CRE	48.0% -0.9pp YoY +0.2pp QoQ	+8.5pp	39.5%	28.3%	41.4%	67%
1-4 Family	21.8% +2.9pp YoY -0.5pp QoQ	-10.8pp	32.6%	23.0%	31.3%	34%
Consumer	0.5% -0.6pp YoY +0.1pp QoQ	-3.6pp	4.1%	2.9%	5.0%	17%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.8% +1.4pp YoY +1.4pp QoQ	-8.0pp	18.8%	15.4%	19.7%	6%
Leverage Ratio	8.7% -0.5pp YoY -0.2pp QoQ	-3.5pp	12.2%	12.4%	12.6%	8%
Total Capital Ratio	12.1% +1.4pp YoY +1.4pp QoQ	-7.9pp	19.9%	16.5%	20.8%	8%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	34 +1 (+3.0%) YoY +3 (+9.7%) QoQ	-25	58	64	482	33%
Assets per Employee ($)	$8.6M +9.3% YoY -18.7% QoQ	+$1.1M	$7.5M	$8.9M	$8.8M	75%
Branch Count	2 0 YoY 0 QoQ	-3	4	5	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.9% -0.1pp QoQ	+0.5pp	0.3%	0.4%	0.4%	90%
Nonaccrual	0.2% 0.0pp YoY -0.2pp QoQ	-0.8pp	0.9%	1.0%	1.0%	27%
Allowance Coverage	1.65x -88.0% YoY +33.7% QoQ	-22.51x	24.15x	18.97x	20.23x	42%
Net Charge-off Rate (YTD)	0.5% -0.3pp QoQ	+0.4pp	0.1%	0.1%	0.2%	94%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.2% +0.8pp YoY +0.9pp QoQ	+3.0pp	12.2%	12.8%	11.6%	69%
Cost of Funds (YTD)	2.4% -0.2pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	86%
Net Income ($, YTD)	$1.9M +14.1% YoY — QoQ	-$675K	$2.6M	$4.0M	$40.4M	50%

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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 (1)

Liquidity Strain

risk

#227 of 691 • Bottom 32.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 104.38%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 50.01%

Peer Median: 22.03%

#40 of 2643 Top 1.5% in $100M-$1B

Top Weaknesses (3 metrics)

2483

Loan-to-Deposit Ratio

liquidity

Value: 104.38%

Peer Median: 77.95%

#2483 of 2643 Bottom 6.1% in $100M-$1B

2155

Non-Interest Income / Assets

revenue_mix

Value: 0.10%

Peer Median: 0.57%

#2155 of 2643 Bottom 18.5% in $100M-$1B

2104

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 15.91%

#2104 of 2643 Bottom 20.4% in $100M-$1B