BlastPoint's Banking Scorecard

Kerndt Brothers Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 8761

Lansing, IA

6 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
Deposits +5.3% year over year ($282.8M on the books).
Delinquency rate 0.65%.
Return on assets 2.48%.
Efficiency ratio 50.30% vs a 64.48% peer average.
Loan-to-deposit ratio 71.50% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Kerndt Brothers Savings Bank has 4 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Profitability Leader: Top 4.2% in tier
+ Revenue Diversifier: Top 4.7% in tier
+ Efficiency Ratio 14.18% below tier average
+ Delinquency Rate 0.26% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 47.4% in tier
- Net Interest Margin 0.43% below tier average

Get updates when Kerndt Brothers Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$347.2M +4.4% YoY -1.1% QoQ	-$39.4M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$202.2M -10.3% YoY -7.0% QoQ	-$56.1M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	48%
Total Deposits ?	$282.8M +5.3% YoY -1.7% QoQ	-$43.9M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	2.48% +651.7% YoY -29.5% QoQ	+1.16%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 4.9% in tier
Net Interest Margin ?	3.55% +12.5% YoY +5.2% QoQ	-0.43%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	30%
Efficiency Ratio ?	50.30% -36.5% YoY +13.4% QoQ	-14.18%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	82%
Delinquency Rate ?	0.65% +79.3% YoY -58.8% QoQ	-0.26%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	71.50% -14.8% YoY -5.3% QoQ	-6.46%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	14.53% -0.9% YoY +4.6% QoQ	-7.50%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	22%
Nonperforming Asset Ratio ?	0.38% -52.4% YoY -61.2% QoQ	-0.29%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	46%
Tier 1 Capital Ratio ?	10.88% +4.5% YoY +0.2% QoQ	-5.03%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	1.08% +448.0% YoY +11.2% QoQ	+0.51%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 3.0% in tier

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	14.5% -0.1pp YoY +0.6pp QoQ	-7.6pp	22.1%	17.8%	22.2%	22%
Brokered Deposits	n/a	n/a	7.9%	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	4.8% -2.8pp YoY -1.2pp QoQ	-6.8pp	11.6%	12.8%	12.5%	18%
CRE	26.3% +0.3pp YoY -0.4pp QoQ	-13.3pp	39.5%	28.3%	41.4%	28%
1-4 Family	22.0% +2.2pp YoY +1.4pp QoQ	-10.6pp	32.6%	23.0%	31.3%	34%
Consumer	1.1% -0.1pp YoY 0.0pp QoQ	-3.0pp	4.1%	2.9%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	10.9% +0.5pp YoY 0.0pp QoQ	-1.3pp	12.2%	12.4%	12.6%	48%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	54 -5 (-8.5%) YoY 0 QoQ	-5	58	64	482	57%
Assets per Employee ($)	$6.4M +14.1% YoY -1.1% QoQ	-$1.1M	$7.5M	$8.9M	$8.8M	41%
Branch Count	6 0 YoY 0 QoQ	+1	4	5	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.7% +0.3pp YoY -0.9pp QoQ	-0.3pp	0.9%	1.0%	1.0%	60%
Allowance Coverage	2.15x -19.4% YoY +163.8% QoQ	-22.00x	24.15x	18.97x	20.23x	50%
Net Charge-off Rate (YTD)	0.0% -0.8pp YoY	-0.1pp	0.1%	0.1%	0.2%	30%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	23.2% +19.8pp YoY -10.0pp QoQ	+11.0pp	12.2%	12.8%	11.6%	94%
Cost of Funds (YTD)	1.9% -0.3pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	65%
Net Income ($, YTD)	$4.3M +660.0% YoY — QoQ	+$1.7M	$2.6M	$4.0M	$40.4M	82%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Profitability Leader

growth

#29 of 661 • Top 4.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.48%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Revenue Diversifier

growth

#32 of 661 • Top 4.7% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 1.08%

(Tier: 0.57%, National: 0.66%)

better than tier avg

Return on Assets: 2.48%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (1)

Credit Quality Pressure

risk

#596 of 1256 • Bottom 47.4% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.65%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 1.08%

Peer Median: 0.57%

#81 of 2643 Top 3.0% in $100M-$1B

130

Return on Assets

profitability

Value: 2.48%

Peer Median: 1.32%

#130 of 2643 Top 4.9% in $100M-$1B

465

Efficiency Ratio

profitability

Value: 50.30%

Peer Median: 64.48%

#465 of 2643 Top 17.6% in $100M-$1B

Top Weaknesses (2 metrics)

2071

Tier 1 Capital Ratio

capital

Value: 10.88%

Peer Median: 15.91%

#2071 of 2643 Bottom 21.7% in $100M-$1B

2056

Non-Interest-Bearing Deposit Share

funding

Value: 14.53%

Peer Median: 22.03%

#2056 of 2643 Bottom 22.2% in $100M-$1B