BlastPoint's Banking Scorecard
Atkins Savings Bank & Trust
Atkins, IA
Atkins Savings Bank & Trust has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 49.44% below tier average
- + ROA 0.29% above tier average
- + Delinquency Rate 0.56% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.96% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.3M
+7.4% YoY
+0.2% QoQ
|
-$213.7M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$122.7M
+14.1% YoY
+6.2% QoQ
|
-$133.0M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
27% |
| Total Deposits ? |
$147.2M
+6.6% YoY
+5.7% QoQ
|
-$180.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
20% |
| Return on Assets ? |
1.56%
+15.8% YoY
+37.9% QoQ
|
+0.29% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
2.97%
+9.7% YoY
+7.0% QoQ
|
-0.96% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 10.5% in tier |
| Efficiency Ratio ? |
15.85%
-67.9% YoY
-61.5% QoQ
|
-49.44% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 0.1% in tier |
| Delinquency Rate ? |
0.33%
-78.7% YoY
-60.8% QoQ
|
-0.56% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
83.35%
+7.1% YoY
+0.5% QoQ
|
+6.71% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
15.16%
-8.6% YoY
-16.0% QoQ
|
-6.86% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.24%
-77.4% YoY
-58.4% QoQ
|
-0.40% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
56% |
| Tier 1 Capital Ratio ? |
11.59%
-2.5% YoY
+2.5% QoQ
|
-4.24% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.06%
-9.6% YoY
-73.9% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
24% |
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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.