BlastPoint's Banking Scorecard

South Ottumwa Savings Bank

$100M-$1B Specialty: Other IA FDIC cert 9099

Ottumwa, 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 +7.5% year over year ($473.9M on the books).
Delinquency rate 0.84%.
Return on assets 1.40%.
Efficiency ratio 58.15% vs a 64.48% peer average.
Loan-to-deposit ratio 67.72% 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) →

South Ottumwa Savings Bank has 3 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

+ ROA 0.08% above tier average
+ Efficiency Ratio 6.33% below tier average
+ Delinquency Rate 0.08% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 32.7% in tier
- Net Interest Margin 0.62% below tier average

Get updates when South Ottumwa 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 ?	$565.4M +7.5% YoY +5.5% QoQ	+$178.9M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	78%
Total Loans ?	$320.9M +0.0% YoY -0.9% QoQ	+$62.6M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	70%
Total Deposits ?	$473.9M +7.5% YoY +6.3% QoQ	+$147.2M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	77%
Return on Assets ?	1.40% +17.9% YoY +2.9% QoQ	+0.08%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	59%
Net Interest Margin ?	3.36% +8.1% YoY -0.5% QoQ	-0.62%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	22%
Efficiency Ratio ?	58.15% -2.3% YoY -4.3% QoQ	-6.33%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	63%
Delinquency Rate ?	0.84% +3.0% YoY +74.6% QoQ	-0.08%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	33%
Loan-to-Deposit Ratio ?	67.72% -7.0% YoY -6.8% QoQ	-10.24%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	73%
Non-Interest-Bearing Deposit Share ?	22.14% -7.3% YoY -0.6% QoQ	+0.11%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	55%
Nonperforming Asset Ratio ?	0.48% -4.1% YoY +64.0% QoQ	-0.19%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	40%
Tier 1 Capital Ratio ?	18.33% +5.0% YoY +0.6% QoQ	+2.42%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	82%
Non-Interest Income / Assets ?	0.22% -22.7% YoY +93.9% QoQ	-0.35%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	55%

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	22.1% -1.7pp YoY -0.1pp QoQ	0.0pp	22.1%	17.8%	22.2%	55%
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	10.5% -0.5pp YoY +0.6pp QoQ	-1.1pp	11.6%	12.8%	12.5%	55%
CRE	26.3% -0.7pp YoY -0.5pp QoQ	-13.3pp	39.5%	28.3%	41.4%	28%
1-4 Family	40.9% +1.3pp YoY +0.5pp QoQ	+8.3pp	32.6%	23.0%	31.3%	72%
Consumer	2.7% -0.3pp YoY 0.0pp QoQ	-1.4pp	4.1%	2.9%	5.0%	56%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	18.3% +0.9pp YoY +0.1pp QoQ	-0.5pp	18.8%	15.4%	19.7%	71%
Leverage Ratio	13.0% +0.6pp YoY -0.4pp QoQ	+0.8pp	12.2%	12.4%	12.6%	75%
Total Capital Ratio	19.2% +0.9pp YoY +0.1pp QoQ	-0.7pp	19.9%	16.5%	20.8%	70%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	70 -1 (-1.4%) YoY -2 (-2.8%) QoQ	+11	58	64	482	71%
Assets per Employee ($)	$8.1M +9.0% YoY +8.5% QoQ	+$560K	$7.5M	$8.9M	$8.8M	69%
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	0.4% +0.3pp YoY +0.2pp QoQ	+0.1pp	0.3%	0.4%	0.4%	79%
Nonaccrual	0.4% -0.3pp YoY +0.2pp QoQ	-0.5pp	0.9%	1.0%	1.0%	49%
Allowance Coverage	1.28x -1.9% YoY -41.0% QoQ	-22.87x	24.15x	18.97x	20.23x	35%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	10.0% +0.3pp YoY +0.4pp QoQ	-2.2pp	12.2%	12.8%	11.6%	37%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.8%	1.7%	30%
Net Income ($, YTD)	$3.8M +18.3% YoY — QoQ	+$1.2M	$2.6M	$4.0M	$40.4M	78%

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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 (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk

#412 of 1256 • Bottom 32.7% in tier

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

Why this signature

Delinquency Rate: 0.84%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ

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)

472

Tier 1 Capital Ratio

capital

Value: 18.33%

Peer Median: 15.91%

#472 of 2643 Top 17.8% in $100M-$1B

591

Total Assets

size

Value: $565.45M

Peer Median: $386.57M

#591 of 2643 Top 22.3% in $100M-$1B

601

Total Deposits

size

Value: $473.89M

Peer Median: $326.73M

#601 of 2643 Top 22.7% in $100M-$1B

Top Weaknesses (1 metrics)

2061

Net Interest Margin

profitability

Value: 3.36%

Peer Median: 3.99%

#2061 of 2643 Bottom 22.1% in $100M-$1B