BlastPoint's Banking Scorecard
Pilot Grove Savings Bank
Designations: ✓ Community bank
Pilot Grove, IA
17 branches across IA
Pilot Grove Savings Bank shows strong momentum with 3 strengths and 11.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 19.5% in tier
- + Credit Quality Leader: Top 40.5% in tier
- + Efficiency Ratio 24.72% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+11.0% YoY
+3.4% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
16% |
| Total Loans ? |
$872.4M
+10.3% YoY
+2.1% QoQ
|
-$1.1B |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
21% |
| Total Deposits ? |
$1.0B
+11.0% YoY
+3.5% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
19% |
| Return on Assets ? |
2.28%
+23.1% YoY
+28.4% QoQ
|
+0.91% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 5.9% in tier |
| Net Interest Margin ? |
3.84%
+11.6% YoY
+5.8% QoQ
|
+0.02% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
63% |
| Efficiency Ratio ? |
36.34%
-16.7% YoY
-17.2% QoQ
|
-24.72% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 5.0% in tier |
| Delinquency Rate ? |
0.12%
-19.2% YoY
+3.1% QoQ
|
-0.77% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Top 13.1% in tier |
| Loan-to-Deposit Ratio ? |
83.41%
-0.6% YoY
-1.4% QoQ
|
-0.80% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
18.97%
-2.8% YoY
-1.6% QoQ
|
-2.32% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
46% |
| Nonperforming Asset Ratio ? |
0.10%
-10.3% YoY
-0.6% QoQ
|
-0.58% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Top 14.3% in tier |
| Tier 1 Capital Ratio ? |
10.38%
+4.9% YoY
+3.7% QoQ
|
-4.78% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.5% in tier |
| Non-Interest Income / Assets ? |
0.10%
-13.6% YoY
-75.7% QoQ
|
-0.16% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
30% |
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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 (2)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.