BlastPoint's Banking Scorecard
Hardin County Savings Bank
Eldora, IA
2 branches across IA
Hardin County Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 9.02% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.12% below tier average
- - ROA 0.13% below tier average
- - Delinquency Rate 0.43% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$403.5M
+13.2% YoY
+0.5% QoQ
|
+$17.4M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
62% |
| Total Loans ? |
$248.3M
+18.8% YoY
-1.3% QoQ
|
-$7.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
59% |
| Total Deposits ? |
$337.2M
+8.5% YoY
+4.0% QoQ
|
+$9.3M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
1.14%
+2.2% YoY
+7.8% QoQ
|
-0.13% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
2.81%
+1.6% YoY
+1.4% QoQ
|
-1.12% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 7.1% in tier |
| Efficiency Ratio ? |
56.26%
+1.7% YoY
-0.6% QoQ
|
-9.02% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
70% |
| Delinquency Rate ? |
1.32%
-4.1% YoY
+14.0% QoQ
|
+0.43% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
73.62%
+9.5% YoY
-5.1% QoQ
|
-3.02% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
13.04%
-3.7% YoY
-8.4% QoQ
|
-8.98% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.81%
+0.6% YoY
+12.0% QoQ
|
+0.17% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.30%
-2.2% YoY
+3.3% QoQ
|
-2.53% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
50% |
| Non-Interest Income / Assets ? |
0.05%
-8.3% YoY
-73.5% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
22% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.