BlastPoint's Banking Scorecard
Sloan State Bank
Designations: ✓ Community bank
Sloan, IA
2 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 +9.4% year over year ($73.8M on the books).
- Delinquency rate 4.35%.
- Return on assets 1.44%.
- Efficiency ratio 51.95% vs a 119.40% peer average.
- Loan-to-deposit ratio 31.18% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Sloan State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.44% above tier average
- + Efficiency Ratio 67.44% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.87% above tier average
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$78.9M
+10.4% YoY
-8.9% QoQ
|
+$16.5M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
69% |
| Total Loans ? |
$23.0M
+0.8% YoY
-9.7% QoQ
|
-$11.9M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
33% |
| Total Deposits ? |
$73.8M
+9.4% YoY
-9.6% QoQ
|
+$22.1M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
81% |
| Return on Assets ? |
1.44%
+8.5% YoY
+8.9% QoQ
|
+0.44% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.30%
-0.8% YoY
+2.2% QoQ
|
-0.61% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
51.95%
-3.1% YoY
-3.3% QoQ
|
-67.44% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 11.6% in tier |
| Delinquency Rate ? |
4.35%
+2.5% YoY
+157.7% QoQ
|
+2.87% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 7.0% in tier |
| Loan-to-Deposit Ratio ? |
31.18%
-7.9% YoY
-0.1% QoQ
|
-43.03% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 9.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.86%
-14.5% YoY
-34.7% QoQ
|
-1.63% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.35%
-7.4% YoY
+134.4% QoQ
|
+0.52% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
18% |
| Tier 1 Capital Ratio ? |
10.95%
-6.3% YoY
-8.3% QoQ
|
-16.18% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.9% in tier |
| Non-Interest Income / Assets ? |
0.04%
+9.9% YoY
+133.4% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 14.9% 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 |
21.9%
-3.7pp YoY -11.6pp QoQ |
-2.8pp | 24.6% | 17.8% | 22.2% | 43% |
| 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 |
5.3%
-0.6pp YoY +0.7pp QoQ |
-8.1pp | 13.4% | 12.8% | 12.5% | 22% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
23.8%
-1.2pp YoY +1.4pp QoQ |
-11.1pp | 35.0% | 23.0% | 31.3% | 42% |
| Consumer |
22.2%
-3.3pp YoY +1.8pp QoQ |
+14.5pp | 7.7% | 2.9% | 5.0% | 95% |
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 |
10.9%
-0.7pp YoY -1.0pp QoQ |
-6.7pp | 17.7% | 12.4% | 12.6% | 28% |
| 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 |
10
-1 (-9.1%) YoY 0 QoQ |
-2 | 12 | 64 | 482 | 43% |
| Assets per Employee ($) |
$7.9M
+21.5% YoY -8.9% QoQ |
+$1.7M | $6.2M | $8.9M | $8.8M | 78% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 5 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
2.8%
-0.2pp YoY +2.7pp QoQ |
+1.8pp | 1.0% | 0.4% | 0.4% | 94% |
| Nonaccrual |
1.6%
+0.3pp YoY -0.1pp QoQ |
-0.1pp | 1.7% | 1.0% | 1.0% | 68% |
| Allowance Coverage |
0.34x
-4.1% YoY -57.0% QoQ |
-6.07x | 6.41x | 18.97x | 20.23x | 10% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
23.3%
-3.7pp YoY +1.7pp QoQ |
+16.9pp | 6.4% | 12.8% | 11.6% | 96% |
| Cost of Funds (YTD) |
1.0%
0.0pp YoY 0.0pp QoQ |
-0.4pp | 1.4% | 1.8% | 1.7% | 29% |
| Net Income ($, YTD) |
$567,000
+19.1% YoY — QoQ |
+$249K | $317,817 | $4.0M | $40.4M | 81% |
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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.