BlastPoint's Banking Scorecard
Hardin County Savings Bank
Eldora, IA
2 branches across 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 +0.9% year over year ($324.4M on the books).
- Delinquency rate 1.26%.
- Return on assets 1.17%.
- Efficiency ratio 54.25% vs a 64.48% peer average.
- Loan-to-deposit ratio 76.40% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Hardin County Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.23% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.10% below tier average
- - ROA 0.15% below tier average
- - Delinquency Rate 0.34% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$402.3M
+6.2% YoY
-0.3% QoQ
|
+$15.7M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
62% |
| Total Loans ? |
$247.9M
+12.2% YoY
-0.2% QoQ
|
-$10.5M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
58% |
| Total Deposits ? |
$324.4M
+0.9% YoY
-3.8% QoQ
|
-$2.3M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
59% |
| Return on Assets ? |
1.17%
+7.5% YoY
+2.6% QoQ
|
-0.15% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
45% |
| Net Interest Margin ? |
2.89%
+2.7% YoY
+2.7% QoQ
|
-1.10% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 7.4% in tier |
| Efficiency Ratio ? |
54.25%
-3.1% YoY
-3.6% QoQ
|
-10.23% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
74% |
| Delinquency Rate ? |
1.26%
-4.4% YoY
-4.4% QoQ
|
+0.34% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
76.40%
+11.3% YoY
+3.8% QoQ
|
-1.55% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
57% |
| Non-Interest-Bearing Deposit Share ? |
12.85%
+3.7% YoY
-1.5% QoQ
|
-9.18% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.84%
+9.2% YoY
+3.5% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
13.38%
+1.9% YoY
+0.6% QoQ
|
-2.52% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.11%
-1.5% YoY
+98.8% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
21% |
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 |
12.8%
+0.5pp YoY -0.2pp QoQ |
-9.3pp | 22.1% | 17.8% | 22.2% | 16% |
| Brokered Deposits |
27.0%
-0.7pp YoY +0.4pp QoQ |
+19.2pp | 7.9% | 6.0% | 8.5% | 96% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.7%
-0.6pp YoY -0.1pp QoQ |
-3.9pp | 11.6% | 12.8% | 12.5% | 37% |
| CRE |
32.2%
+5.4pp YoY +0.2pp QoQ |
-7.3pp | 39.5% | 28.3% | 41.4% | 39% |
| 1-4 Family |
31.7%
-1.0pp YoY +0.3pp QoQ |
-1.0pp | 32.6% | 23.0% | 31.3% | 55% |
| Consumer |
4.3%
-1.3pp YoY -0.1pp QoQ |
+0.2pp | 4.1% | 2.9% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.4%
+0.2pp YoY +0.1pp QoQ |
-5.4pp | 18.8% | 15.4% | 19.7% | 32% |
| Leverage Ratio |
9.8%
0.0pp YoY +0.2pp QoQ |
-2.4pp | 12.2% | 12.4% | 12.6% | 27% |
| Total Capital Ratio |
14.1%
+0.3pp YoY +0.1pp QoQ |
-5.9pp | 19.9% | 16.5% | 20.8% | 26% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+1 (+3.0%) YoY +1 (+3.0%) QoQ |
-25 | 58 | 64 | 482 | 33% |
| Assets per Employee ($) |
$11.8M
+3.0% YoY -3.2% QoQ |
+$4.3M | $7.5M | $8.9M | $8.8M | 92% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.3%
-0.1pp YoY -0.1pp QoQ |
+0.3pp | 0.9% | 1.0% | 1.0% | 77% |
| Allowance Coverage |
0.60x
+17.4% YoY +8.2% QoQ |
-23.56x | 24.15x | 18.97x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY +0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
21.1%
-1.4pp YoY -0.5pp QoQ |
+8.9pp | 12.2% | 12.8% | 11.6% | 90% |
| Cost of Funds (YTD) |
2.6%
-0.1pp YoY 0.0pp QoQ |
+0.9pp | 1.7% | 1.8% | 1.7% | 93% |
| Net Income ($, YTD) |
$2.4M
+19.5% YoY — QoQ |
-$193K | $2.6M | $4.0M | $40.4M | 59% |
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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.