BlastPoint's Banking Scorecard
South Ottumwa Savings Bank
Ottumwa, IA
6 branches across IA
South Ottumwa Savings Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.09% above tier average
- + Efficiency Ratio 4.53% below tier average
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 13.6% in tier
- - Net Interest Margin 0.55% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$536.1M
-2.1% YoY
+3.3% QoQ
|
+$150.0M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
75% |
| Total Loans ? |
$323.8M
+1.6% YoY
+1.3% QoQ
|
+$68.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
71% |
| Total Deposits ? |
$445.7M
-4.1% YoY
+3.8% QoQ
|
+$117.7M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
74% |
| Return on Assets ? |
1.36%
+47.1% YoY
+8.6% QoQ
|
+0.09% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
59% |
| Net Interest Margin ? |
3.38%
+13.7% YoY
+4.2% QoQ
|
-0.55% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
25% |
| Efficiency Ratio ? |
60.75%
-5.9% YoY
+3.4% QoQ
|
-4.53% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
0.48%
-31.5% YoY
+88.0% QoQ
|
-0.40% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
72.65%
+5.9% YoY
-2.4% QoQ
|
-3.98% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
22.27%
-6.4% YoY
-3.6% QoQ
|
+0.25% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.29%
-38.6% YoY
+84.3% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
18.22%
+7.3% YoY
-0.4% QoQ
|
+2.39% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
82% |
| Non-Interest Income / Assets ? |
0.11%
+6.6% YoY
-79.7% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.