BlastPoint's Banking Scorecard
Sloan State Bank
Designations: ✓ Community bank
Sloan, IA
2 branches across IA
Sloan State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.49% above tier average
- + Efficiency Ratio 34.59% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.63% below tier average
- - Delinquency Rate 0.31% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$86.7M
+18.3% YoY
+22.5% QoQ
|
+$24.5M |
$62.2M
-0.6% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
81% |
| Total Loans ? |
$25.5M
+10.2% YoY
+0.5% QoQ
|
-$8.8M |
$34.2M
-1.4% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$81.6M
+17.5% YoY
+24.0% QoQ
|
+$29.9M |
$51.7M
-0.7% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Top 6.3% in tier |
| Return on Assets ? |
1.32%
-3.1% YoY
-4.1% QoQ
|
+0.49% |
0.84%
-2.3% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
69% |
| Net Interest Margin ? |
3.23%
+0.8% YoY
-4.4% QoQ
|
-0.63% |
3.86%
+2.8% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
53.75%
-2.7% YoY
-2.6% QoQ
|
-34.59% |
88.34%
+0.3% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 13.1% in tier |
| Delinquency Rate ? |
1.69%
+17.2% YoY
+53.3% QoQ
|
+0.31% |
1.37%
+33.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
25% |
| Loan-to-Deposit Ratio ? |
31.22%
-6.3% YoY
-19.0% QoQ
|
-32.99% |
64.22%
-0.7% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Top 10.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.49%
+21.0% YoY
+53.5% QoQ
|
+9.77% |
23.71%
+0.3% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
0.58%
+3.1% YoY
+16.7% QoQ
|
-0.21% |
0.79%
+28.2% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
36% |
| Tier 1 Capital Ratio ? |
11.93%
+3.3% YoY
+1.6% QoQ
|
-14.75% |
26.68%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
22% |
| Non-Interest Income / Assets ? |
0.02%
+4.0% YoY
-79.3% QoQ
|
-0.65% |
0.67%
+1.9% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 12.0% 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.