BlastPoint's Banking Scorecard
Breda Savings Bank
Breda, 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 +9.1% year over year ($84.7M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.62%.
- Efficiency ratio 49.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 65.74% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Breda Savings Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 48.2% in tier
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.30% above tier average
- + Efficiency Ratio 14.84% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.89% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$106.0M
+9.1% YoY
-0.2% QoQ
|
-$280.6M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 1.6% in tier |
| Total Loans ? |
$55.7M
-4.1% YoY
-3.9% QoQ
|
-$202.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.9% in tier |
| Total Deposits ? |
$84.7M
+9.1% YoY
-1.3% QoQ
|
-$242.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.4% in tier |
| Return on Assets ? |
1.62%
+63.0% YoY
-2.4% QoQ
|
+0.30% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.09%
+8.0% YoY
+0.2% QoQ
|
-0.89% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 12.5% in tier |
| Efficiency Ratio ? |
49.64%
-10.9% YoY
-7.0% QoQ
|
-14.84% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
84% |
| Delinquency Rate ? | 0.00% | -0.92% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
65.74%
-12.1% YoY
-2.7% QoQ
|
-12.22% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
25.39%
+16.7% YoY
-1.6% QoQ
|
+3.36% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
67% |
| Nonperforming Asset Ratio ? | 0.00% | -0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
10.88%
-3.2% YoY
+1.7% QoQ
|
-5.02% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.25%
+2.8% YoY
+102.6% QoQ
|
-0.31% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
64% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.4%
+3.6pp YoY -0.4pp QoQ |
+3.2pp | 22.1% | 17.8% | 22.2% | 67% |
| Brokered Deposits |
3.6%
+1.0pp YoY 0.0pp QoQ |
-4.2pp | 7.9% | 6.0% | 8.5% | 43% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.5%
+0.1pp YoY -0.1pp QoQ |
-4.0pp | 11.6% | 12.8% | 12.5% | 36% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
20.8%
-0.9pp YoY +1.3pp QoQ |
-11.9pp | 32.6% | 23.0% | 31.3% | 32% |
| Consumer |
1.0%
-0.1pp YoY 0.0pp QoQ |
-3.1pp | 4.1% | 2.9% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
10.9%
-0.4pp YoY +0.2pp QoQ |
-1.3pp | 12.2% | 12.4% | 12.6% | 48% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
9
+1 (+12.5%) YoY 0 QoQ |
-50 | 58 | 64 | 482 | 0% |
| Assets per Employee ($) |
$11.8M
-3.0% YoY -0.2% QoQ |
+$4.3M | $7.5M | $8.9M | $8.8M | 92% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
20.9%
+6.6pp YoY -1.2pp QoQ |
+8.7pp | 12.2% | 12.8% | 11.6% | 90% |
| Cost of Funds (YTD) |
2.1%
-0.2pp YoY 0.0pp QoQ |
+0.4pp | 1.7% | 1.8% | 1.7% | 78% |
| Net Income ($, YTD) |
$845,000
+75.3% YoY — QoQ |
-$1.7M | $2.6M | $4.0M | $40.4M | 21% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.