BlastPoint's Banking Scorecard
TruBank
Indianola, IA
8 branches across IA
TruBank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 8.12% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 7.6% in tier
- - Capital Thin: Bottom 45.2% in tier
- - Credit Quality Pressure: Bottom 48.3% in tier
- - ROA 0.07% below tier average
- - Net Interest Margin 0.24% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$487.5M
+7.1% YoY
+0.8% QoQ
|
+$101.4M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
71% |
| Total Loans ? |
$284.9M
+3.4% YoY
-1.1% QoQ
|
+$29.2M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
65% |
| Total Deposits ? |
$360.2M
+4.2% YoY
+1.7% QoQ
|
+$32.2M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
64% |
| Return on Assets ? |
1.20%
+27.9% YoY
-5.4% QoQ
|
-0.07% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.69%
+10.9% YoY
+1.6% QoQ
|
-0.24% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
40% |
| Efficiency Ratio ? |
57.16%
-7.3% YoY
+3.2% QoQ
|
-8.12% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
68% |
| Delinquency Rate ? |
1.44%
+4.6% YoY
+1.5% QoQ
|
+0.56% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
19% |
| Loan-to-Deposit Ratio ? |
79.11%
-0.7% YoY
-2.8% QoQ
|
+2.47% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
49% |
| Non-Interest-Bearing Deposit Share ? |
18.47%
-4.7% YoY
-3.5% QoQ
|
-3.55% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
38% |
| Nonperforming Asset Ratio ? |
1.39%
+57.2% YoY
-5.0% QoQ
|
+0.76% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
9.32%
-0.1% YoY
+2.4% QoQ
|
-6.52% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 2.6% in tier |
| Non-Interest Income / Assets ? |
0.07%
+7.5% YoY
-84.4% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
30% |
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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)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.