BlastPoint's Banking Scorecard
Atkins Savings Bank & Trust
Atkins, 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 +6.5% year over year ($146.2M on the books).
- Delinquency rate 0.05%.
- Return on assets 1.50%.
- Efficiency ratio 27.92% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.12% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Atkins Savings Bank & Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 36.56% below tier average
- + ROA 0.18% above tier average
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.98% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.2M
+5.9% YoY
-0.1% QoQ
|
-$214.4M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$121.6M
+13.5% YoY
-0.9% QoQ
|
-$136.8M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$146.2M
+6.5% YoY
-0.6% QoQ
|
-$180.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
1.50%
+4.2% YoY
-3.7% QoQ
|
+0.18% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
65% |
| Net Interest Margin ? |
3.01%
+10.3% YoY
+1.4% QoQ
|
-0.98% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 10.2% in tier |
| Efficiency Ratio ? |
27.92%
-39.8% YoY
+76.1% QoQ
|
-36.56% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 0.6% in tier |
| Delinquency Rate ? |
0.05%
-85.0% YoY
-85.6% QoQ
|
-0.87% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
83.12%
+6.5% YoY
-0.3% QoQ
|
+5.17% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
14.28%
-11.1% YoY
-5.8% QoQ
|
-7.75% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.03%
-83.9% YoY
-85.7% QoQ
|
-0.64% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
81% |
| Tier 1 Capital Ratio ? |
11.91%
+0.0% YoY
+2.8% QoQ
|
-3.99% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.11%
-3.0% YoY
+91.1% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
22% |
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 |
14.3%
-1.8pp YoY -0.9pp QoQ |
-7.9pp | 22.1% | 17.8% | 22.2% | 21% |
| Brokered Deposits |
3.2%
+2.7pp YoY 0.0pp QoQ |
-4.7pp | 7.9% | 6.0% | 8.5% | 39% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
12.6%
-0.3pp YoY +0.5pp QoQ |
+1.0pp | 11.6% | 12.8% | 12.5% | 66% |
| CRE |
18.2%
+1.4pp YoY +1.0pp QoQ |
-21.3pp | 39.5% | 28.3% | 41.4% | 15% |
| 1-4 Family |
23.7%
-0.3pp YoY +0.6pp QoQ |
-8.9pp | 32.6% | 23.0% | 31.3% | 38% |
| Consumer |
3.5%
-1.3pp YoY -0.4pp QoQ |
-0.6pp | 4.1% | 2.9% | 5.0% | 66% |
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 |
11.9%
0.0pp YoY +0.3pp QoQ |
-0.3pp | 12.2% | 12.4% | 12.6% | 64% |
| 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 |
12
0 YoY 0 QoQ |
-47 | 58 | 64 | 482 | 2% |
| Assets per Employee ($) |
$14.3M
+5.9% YoY -0.1% QoQ |
+$6.8M | $7.5M | $8.9M | $8.8M | 96% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 38% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
22.76x
+658.6% YoY +537.9% QoQ |
-1.39x | 24.15x | 18.97x | 20.23x | 89% |
| Net Charge-off Rate (YTD) |
0.2%
+0.3pp YoY +0.3pp QoQ |
+0.1pp | 0.1% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.2%
-1.0pp YoY -1.1pp QoQ |
+4.0pp | 12.2% | 12.8% | 11.6% | 74% |
| Cost of Funds (YTD) |
2.5%
-0.2pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$1.3M
+12.5% YoY — QoQ |
-$1.3M | $2.6M | $4.0M | $40.4M | 36% |
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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.