BlastPoint's Banking Scorecard
NSB Bank
Mason City, IA
6 branches across IA
NSB Bank has 2 strengths but faces 6 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 13.01% below tier average
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 3.3% in tier
- - Credit Risk Growth: Bottom 7.9% in tier
- - Credit Quality Pressure: Bottom 33.9% in tier
- - Capital Thin: Bottom 34.1% in tier
- - Flatlined Growth: Bottom 44.1% in tier
- - Net Interest Margin 0.93% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$479.0M
+2.0% YoY
+2.2% QoQ
|
+$92.9M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
70% |
| Total Loans ? |
$336.4M
+2.9% YoY
-1.5% QoQ
|
+$80.7M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
73% |
| Total Deposits ? |
$415.0M
+2.4% YoY
+3.7% QoQ
|
+$87.1M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
71% |
| Return on Assets ? |
0.81%
-36.9% YoY
-33.8% QoQ
|
-0.46% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
26% |
| Net Interest Margin ? |
3.00%
+9.0% YoY
+3.9% QoQ
|
-0.93% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 11.6% in tier |
| Efficiency Ratio ? |
52.28%
-6.0% YoY
-7.0% QoQ
|
-13.01% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
80% |
| Delinquency Rate ? |
0.68%
+18.9% YoY
+56.3% QoQ
|
-0.21% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
81.05%
+0.5% YoY
-5.0% QoQ
|
+4.41% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
17.85%
-8.5% YoY
-5.9% QoQ
|
-4.17% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.47%
+20.0% YoY
+50.6% QoQ
|
-0.16% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
39% |
| Tier 1 Capital Ratio ? |
10.70%
-1.8% YoY
+0.3% QoQ
|
-5.13% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.09%
+5.5% YoY
-75.7% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
43% |
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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 (5)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
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.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.