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State Savings Bank

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

West Des Moines, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

State Savings Bank has 2 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

  • + Non-Interest-Bearing Deposit Share 37.62% above tier average
  • + Efficiency Ratio 9.71% below tier average

Key Concerns

Areas that may need attention

  • - ROA 0.11% below tier average
  • - Net Interest Margin 0.47% below tier average
  • - Delinquency Rate 0.44% above tier average
Get updates when State Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $327.5M
+33.1% YoY +19.4% QoQ
-$58.6M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
51%
Total Loans ? $229.7M
+4.3% YoY -2.7% QoQ
-$26.0M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
55%
Total Deposits ? $259.0M
+39.8% YoY +26.6% QoQ
-$69.0M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
46%
Return on Assets ? 1.16%
-4.2% YoY -9.2% QoQ
-0.11% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
47%
Net Interest Margin ? 3.46%
-8.0% YoY -12.5% QoQ
-0.47% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
29%
Efficiency Ratio ? 55.58%
-6.5% YoY -3.6% QoQ
-9.71% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
72%
Delinquency Rate ? 1.33%
+116.3% QoQ
+0.44% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
22%
Loan-to-Deposit Ratio ? 88.72%
-25.4% YoY -23.1% QoQ
+12.08% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
27%
Non-Interest-Bearing Deposit Share ? 59.64%
+126.7% YoY +158.1% QoQ
+37.62% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
Top 0.6% in tier
Nonperforming Asset Ratio ? 0.93%
+463.6% YoY +76.3% QoQ
+0.29% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
22%
Tier 1 Capital Ratio ? 9.37%
-4.7% YoY -8.7% QoQ
-6.46% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 3.2% in tier
Non-Interest Income / Assets ? 0.04%
-39.9% YoY -81.6% QoQ
-0.24% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
Bottom 13.1% in tier

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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

16
Non-Interest-Bearing Deposit Share
funding
Value: 59.64%
Peer Median: 22.02%
#16 of 2664 Top 0.6% in $100M-$1B

Top Weaknesses (4 metrics)

2581
Tier 1 Capital Ratio
capital
Value: 9.37%
Peer Median: 15.83%
#2581 of 2664 Bottom 3.2% in $100M-$1B
2317
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.28%
#2317 of 2664 Bottom 13.1% in $100M-$1B
2091
Nonperforming Asset Ratio
credit_quality
Value: 0.93%
Peer Median: 0.64%
#2091 of 2664 Bottom 21.5% in $100M-$1B
2080
Delinquency Rate
credit_quality
Value: 1.33%
Peer Median: 0.89%
#2080 of 2654 Bottom 21.7% in $100M-$1B
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