BlastPoint's Banking Scorecard
Audubon State Bank
Audubon, IA
Audubon State Bank has 4 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 20.3% in tier
- + Efficiency Ratio 22.28% below tier average
- + Net Interest Margin 0.24% above tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 8.6% in tier
- - Credit Risk Growth: Bottom 15.8% in tier
- - Credit Quality Pressure: Bottom 29.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$166.9M
+2.6% YoY
+2.2% QoQ
|
-$219.1M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
19% |
| Total Loans ? |
$118.8M
+3.5% YoY
-7.8% QoQ
|
-$136.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$143.0M
+3.4% YoY
+2.4% QoQ
|
-$185.0M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
2.18%
+27.7% YoY
+5.9% QoQ
|
+0.91% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 8.9% in tier |
| Net Interest Margin ? |
4.17%
+15.1% YoY
-0.5% QoQ
|
+0.24% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
66% |
| Efficiency Ratio ? |
43.00%
-8.6% YoY
+1.7% QoQ
|
-22.28% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 6.6% in tier |
| Delinquency Rate ? | 0.21% | -0.68% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
83.13%
+0.1% YoY
-10.0% QoQ
|
+6.49% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
12.20%
-34.9% YoY
+5.5% QoQ
|
-9.82% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.15%
+895.1% QoQ
|
-0.49% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
65% |
| Tier 1 Capital Ratio ? |
13.99%
+0.7% YoY
+7.3% QoQ
|
-1.84% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.03%
-11.8% YoY
-74.1% QoQ
|
-0.25% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 10.1% in tier |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (3)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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.