BlastPoint's Banking Scorecard
Readlyn Savings Bank
Readlyn, IA
2 branches across IA
Readlyn Savings Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.26% below tier average
- + ROA 0.54% above tier average
- + Delinquency Rate 0.18% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.5% in tier
- - Non-Interest Income / Assets 0.26% below tier average
- - Net Interest Margin 0.60% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$150.3M
+3.9% YoY
+1.6% QoQ
|
-$235.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 14.3% in tier |
| Total Loans ? |
$98.2M
-7.2% YoY
+2.5% QoQ
|
-$157.5M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
19% |
| Total Deposits ? |
$113.8M
+4.3% YoY
+2.0% QoQ
|
-$214.1M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.1% in tier |
| Return on Assets ? |
1.81%
+1.4% YoY
-3.7% QoQ
|
+0.54% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
82% |
| Net Interest Margin ? |
3.33%
+1.4% YoY
-2.1% QoQ
|
-0.60% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
42.02%
-1.8% YoY
+1.9% QoQ
|
-23.26% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 5.7% in tier |
| Delinquency Rate ? |
0.70%
+609.8% YoY
|
-0.18% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
86.26%
-11.0% YoY
+0.5% QoQ
|
+9.62% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
22.93%
+21.8% YoY
-1.2% QoQ
|
+0.91% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
58% |
| Nonperforming Asset Ratio ? |
0.46%
+534.1% YoY
|
-0.18% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
40% |
| Tier 1 Capital Ratio ? |
26.29%
+6.8% YoY
+0.3% QoQ
|
+10.46% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Top 5.4% in tier |
| Non-Interest Income / Assets ? |
0.02%
-16.6% YoY
-78.7% QoQ
|
-0.26% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 3.3% in tier |
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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)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.