BlastPoint's Banking Scorecard
The State Bank of Toledo
Toledo, IA
2 branches across IA
The State Bank of Toledo has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.40% above tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.05% above tier average
- - ROA 0.43% below tier average
- - Efficiency Ratio 13.95% above tier average
- - Delinquency Rate 0.92% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$144.9M
+10.8% YoY
+4.4% QoQ
|
-$241.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 12.8% in tier |
| Total Loans ? |
$109.2M
+0.3% YoY
-0.8% QoQ
|
-$146.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
22% |
| Total Deposits ? |
$130.3M
+11.8% YoY
+4.8% QoQ
|
-$197.7M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
0.84%
+179.6% YoY
-4.0% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
4.33%
+9.5% YoY
-9.5% QoQ
|
+0.40% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
75% |
| Efficiency Ratio ? |
79.24%
-15.5% YoY
+5.5% QoQ
|
+13.95% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
1.80%
-21.5% YoY
+52.9% QoQ
|
+0.92% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 14.7% in tier |
| Loan-to-Deposit Ratio ? |
83.85%
-10.3% YoY
-5.4% QoQ
|
+7.21% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
17.41%
-10.4% YoY
-25.0% QoQ
|
-4.61% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.69%
-12.4% YoY
+77.2% QoQ
|
+1.05% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 9.2% in tier |
| Tier 1 Capital Ratio ? |
9.51%
-5.4% YoY
-0.5% QoQ
|
-6.32% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.5% in tier |
| Non-Interest Income / Assets ? |
0.17%
-13.9% YoY
-76.0% QoQ
|
-0.11% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
80% |
Get Full Access to The State Bank of Toledo
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.