BlastPoint's Banking Scorecard
State Central Bank
Designations: ✓ Community bank
Bonaparte, IA
4 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits +6.3% year over year ($50.6M on the books).
- Delinquency rate 1.13%.
- Return on assets 1.57%.
- Efficiency ratio 71.84% vs a 119.40% peer average.
- Loan-to-deposit ratio 71.72% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
State Central Bank shows strong momentum with 5 strengths and 11.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.90% below tier average
- + ROA 0.57% above tier average
- + Net Interest Margin 1.11% above tier average
- + Efficiency Ratio 47.56% below tier average
- + Delinquency Rate 0.35% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$63.2M
+11.7% YoY
+2.7% QoQ
|
+$775K |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
49% |
| Total Loans ? |
$36.3M
+42.0% YoY
+5.1% QoQ
|
+$1.4M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
55% |
| Total Deposits ? |
$50.6M
+6.3% YoY
+5.7% QoQ
|
-$1.1M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
1.57%
-8.7% YoY
-1.3% QoQ
|
+0.57% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
5.02%
-8.0% YoY
+1.7% QoQ
|
+1.11% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Top 11.8% in tier |
| Efficiency Ratio ? |
71.84%
+8.0% YoY
+0.8% QoQ
|
-47.56% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
48% |
| Delinquency Rate ? |
1.13%
-20.0% YoY
+290.2% QoQ
|
-0.35% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
71.72%
+33.6% YoY
-0.6% QoQ
|
-2.49% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
20.52%
+4.8% YoY
-0.0% QoQ
|
-2.97% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.65%
+1.6% YoY
+299.0% QoQ
|
-0.19% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
33% |
| Tier 1 Capital Ratio ? |
16.11%
+12.1% YoY
+0.0% QoQ
|
-11.02% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.48%
+18.0% YoY
+90.9% QoQ
|
-0.90% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 9.0% in tier |
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 |
20.5%
+0.9pp YoY 0.0pp QoQ |
-4.1pp | 24.6% | 17.8% | 22.2% | 39% |
| Brokered Deposits | n/a | n/a | 9.8% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
24.0%
-3.3pp YoY +3.2pp QoQ |
+10.6pp | 13.4% | 12.8% | 12.5% | 84% |
| CRE |
21.3%
+9.7pp YoY +3.1pp QoQ |
-4.0pp | 25.2% | 28.3% | 41.4% | 54% |
| 1-4 Family |
38.1%
-0.2pp YoY -1.1pp QoQ |
+3.1pp | 35.0% | 23.0% | 31.3% | 59% |
| Consumer |
16.7%
-1.0pp YoY -1.3pp QoQ |
+9.0pp | 7.7% | 2.9% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
16.1%
+1.7pp YoY 0.0pp QoQ |
-1.6pp | 17.7% | 12.4% | 12.6% | 76% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
26
+4 (+18.2%) YoY +2 (+8.3%) QoQ |
+14 | 12 | 64 | 482 | 96% |
| Assets per Employee ($) |
$2.4M
-5.4% YoY -5.2% QoQ |
-$3.8M | $6.2M | $8.9M | $8.8M | 5% |
| Branch Count |
4
0 YoY 0 QoQ |
+2 | 1 | 5 | 18 | 96% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.8%
-0.1pp YoY +0.6pp QoQ |
-0.2pp | 1.0% | 0.4% | 0.4% | 66% |
| Nonaccrual |
0.3%
-0.2pp YoY +0.2pp QoQ |
-1.4pp | 1.7% | 1.0% | 1.0% | 33% |
| Allowance Coverage |
1.75x
-19.2% YoY -75.3% QoQ |
-4.66x | 6.41x | 18.97x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.0%
-0.4pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.2%
-2.2pp YoY -0.1pp QoQ |
+2.8pp | 6.4% | 12.8% | 11.6% | 56% |
| Cost of Funds (YTD) |
1.8%
-0.1pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$485,000
0.0% YoY — QoQ |
+$167K | $317,817 | $4.0M | $40.4M | 74% |
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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.