BlastPoint's Banking Scorecard

Kerndt Brothers Savings Bank

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

Lansing, IA

6 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Kerndt Brothers Savings Bank has 3 strengths but faces 3 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 5.0% in tier
+ Revenue Diversifier: Top 5.0% in tier
+ Efficiency Ratio 20.93% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 49.4% in tier
- Net Interest Margin 0.55% below tier average
- Delinquency Rate 0.70% above tier average

Get updates when Kerndt Brothers Savings Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$350.9M +4.0% YoY +4.7% QoQ	-$35.1M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$217.4M -6.4% YoY -3.4% QoQ	-$38.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$287.9M +6.2% YoY +5.3% QoQ	-$40.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	3.52% +772.9% QoQ	+2.25%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 1.0% in tier
Net Interest Margin ?	3.38% +7.6% YoY +8.3% QoQ	-0.55%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	44.35% -45.2% YoY -44.7% QoQ	-20.93%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 8.2% in tier
Delinquency Rate ?	1.59% +113.8% YoY +10.1% QoQ	+0.70%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	75.51% -11.8% YoY -8.2% QoQ	-1.12%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	56%
Non-Interest-Bearing Deposit Share ?	13.89% -9.6% YoY -2.1% QoQ	-8.13%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	20%
Nonperforming Asset Ratio ?	0.98% -5.3% YoY -30.1% QoQ	+0.35%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	20%
Tier 1 Capital Ratio ?	10.85% +7.2% YoY +2.1% QoQ	-4.98%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	21%
Non-Interest Income / Assets ?	0.97% +881.0% YoY +126.0% QoQ	+0.69%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 1.7% in tier

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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

#34 of 666 • Top 5.0% in tier

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

Why this signature

Return on Assets: 3.52%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#34 of 666 • Top 5.0% 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: 0.97%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 3.52%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Capital Thin

risk

#330 of 666 • Bottom 49.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.85%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

Return on Assets

profitability

Value: 3.52%

Peer Median: 1.27%

#27 of 2664 Top 1.0% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 0.97%

Peer Median: 0.28%

#45 of 2664 Top 1.7% in $100M-$1B

219

Efficiency Ratio

profitability

Value: 44.35%

Peer Median: 65.29%

#219 of 2664 Top 8.2% in $100M-$1B

Top Weaknesses (4 metrics)

2202

Delinquency Rate

credit_quality

Value: 1.59%

Peer Median: 0.89%

#2202 of 2654 Bottom 17.1% in $100M-$1B

2134

Nonperforming Asset Ratio

credit_quality

Value: 0.98%

Peer Median: 0.64%

#2134 of 2664 Bottom 19.9% in $100M-$1B

2129

Non-Interest-Bearing Deposit Share

funding

Value: 13.89%

Peer Median: 22.02%

#2129 of 2664 Bottom 20.1% in $100M-$1B

2097

Tier 1 Capital Ratio

capital

Value: 10.85%

Peer Median: 15.83%

#2097 of 2664 Bottom 21.3% in $100M-$1B