BlastPoint's Banking Scorecard
State Central Bank
Designations: ✓ Community bank
Bonaparte, IA
4 branches across IA
State Central Bank demonstrates 5 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.42% below tier average
- + ROA 0.73% above tier average
- + Net Interest Margin 1.07% above tier average
- + Efficiency Ratio 16.39% below tier average
- + Delinquency Rate 1.07% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$61.5M
+2.0% YoY
+1.1% QoQ
|
-$756K |
$62.3M
-0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.0% YoY
|
47% |
| Total Loans ? |
$34.5M
+54.6% YoY
+6.6% QoQ
|
+$232K |
$34.3M
-1.5% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.7% YoY
|
54% |
| Total Deposits ? |
$47.9M
-7.7% YoY
-4.9% QoQ
|
-$4.0M |
$51.8M
-0.6% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.0% YoY
|
40% |
| Return on Assets ? |
1.59%
+32.5% YoY
-45.5% QoQ
|
+0.73% |
0.86%
-3.6% YoY
|
1.31%
+22.6% YoY
|
1.24%
+13.1% YoY
|
80% |
| Net Interest Margin ? |
4.94%
-3.3% YoY
-28.1% QoQ
|
+1.07% |
3.87%
+2.7% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Top 11.5% in tier |
| Efficiency Ratio ? |
71.24%
+1.4% YoY
+24.2% QoQ
|
-16.39% |
87.63%
+2.3% YoY
|
58.40%
-7.6% YoY
|
66.84%
-3.8% YoY
|
50% |
| Delinquency Rate ? |
0.29%
-73.4% YoY
+70.6% QoQ
|
-1.07% |
1.36%
+33.7% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
54% |
| Loan-to-Deposit Ratio ? |
72.15%
+67.5% YoY
+12.1% QoQ
|
+8.04% |
64.11%
-0.9% YoY
|
77.40%
+1.1% YoY
|
76.69%
+0.9% YoY
|
40% |
| Non-Interest-Bearing Deposit Share ? |
20.52%
+20.9% YoY
+8.2% QoQ
|
-3.26% |
23.79%
+0.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.1% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.16%
-59.6% YoY
+79.8% QoQ
|
-0.61% |
0.77%
+28.7% YoY
|
0.58%
+11.7% YoY
|
0.66%
+19.3% YoY
|
55% |
| Tier 1 Capital Ratio ? |
16.10%
+15.4% YoY
+3.6% QoQ
|
-10.67% |
26.77%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.25%
+38.6% YoY
-69.7% QoQ
|
-0.42% |
0.67%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.0% YoY
|
Top 9.3% 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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.