BlastPoint's Banking Scorecard
New Albin Savings Bank
New Albin, IA
New Albin Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 19.7% in tier
- + Efficiency Ratio 31.40% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 45.7% in tier
- - Net Interest Margin 2.04% below tier average
- - Non-Interest-Bearing Deposit Share 15.92% below tier average
- - Non-Interest Income / Assets 0.27% below tier average
- - ROA 0.26% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$348.3M
+5.1% YoY
+1.3% QoQ
|
-$37.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
54% |
| Total Loans ? |
$116.6M
+4.8% YoY
+1.6% QoQ
|
-$139.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
25% |
| Total Deposits ? |
$295.5M
+5.3% YoY
+2.1% QoQ
|
-$32.5M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
54% |
| Return on Assets ? |
1.01%
+26.3% YoY
+16.2% QoQ
|
-0.26% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
38% |
| Net Interest Margin ? |
1.89%
+15.6% YoY
+7.2% QoQ
|
-2.04% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio ? |
33.89%
-18.0% YoY
-15.7% QoQ
|
-31.40% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 1.6% in tier |
| Delinquency Rate ? |
0.07%
-35.1% YoY
|
-0.81% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
39.46%
-0.5% YoY
-0.5% QoQ
|
-37.18% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 4.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
6.10%
+2.6% YoY
+3.3% QoQ
|
-15.92% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
0.02%
-35.3% YoY
|
-0.61% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
82% |
| Tier 1 Capital Ratio ? |
39.97%
-3.6% YoY
-1.4% QoQ
|
+24.14% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Top 1.6% in tier |
| Non-Interest Income / Assets ? |
0.01%
+81.6% YoY
-68.6% QoQ
|
-0.27% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 1.1% in tier |
Get Full Access to New Albin Savings Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.