BlastPoint's Banking Scorecard
Readlyn Savings Bank
Readlyn, IA
2 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 +3.3% year over year ($111.6M on the books).
- Delinquency rate 3.08%.
- Return on assets 1.77%.
- Efficiency ratio 42.53% vs a 64.48% peer average.
- Loan-to-deposit ratio 84.90% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Readlyn Savings Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.95% below tier average
- + ROA 0.44% above tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 10.9% in tier
- - Delinquency Rate 2.17% above tier average
- - Nonperforming Asset Ratio 1.30% above tier average
- - Non-Interest Income / Assets 0.52% below tier average
- - Net Interest Margin 0.73% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.3M
+3.5% YoY
-1.4% QoQ
|
-$238.3M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 13.6% in tier |
| Total Loans ? |
$94.7M
-8.2% YoY
-3.5% QoQ
|
-$163.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$111.6M
+3.3% YoY
-2.0% QoQ
|
-$215.2M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.1% in tier |
| Return on Assets ? |
1.77%
-7.4% YoY
-2.3% QoQ
|
+0.44% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
79% |
| Net Interest Margin ? |
3.26%
-4.3% YoY
-2.3% QoQ
|
-0.73% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
18% |
| Efficiency Ratio ? |
42.53%
+4.1% YoY
+1.2% QoQ
|
-21.95% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 6.2% in tier |
| Delinquency Rate ? |
3.08%
+145.7% YoY
+337.7% QoQ
|
+2.17% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 6.0% in tier |
| Loan-to-Deposit Ratio ? |
84.90%
-11.1% YoY
-1.6% QoQ
|
+6.95% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
38% |
| Non-Interest-Bearing Deposit Share ? |
21.59%
+13.2% YoY
-5.8% QoQ
|
-0.44% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
53% |
| Nonperforming Asset Ratio ? |
1.97%
+118.0% YoY
+328.0% QoQ
|
+1.30% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 7.5% in tier |
| Tier 1 Capital Ratio ? |
26.80%
+7.8% YoY
+1.9% QoQ
|
+10.89% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 5.5% in tier |
| Non-Interest Income / Assets ? |
0.04%
+1.2% YoY
+157.3% QoQ
|
-0.52% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 4.8% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
21.6%
+2.5pp YoY -1.3pp QoQ |
-0.6pp | 22.1% | 17.8% | 22.2% | 52% |
| 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 |
14.1%
-1.6pp YoY -2.0pp QoQ |
+2.6pp | 11.6% | 12.8% | 12.5% | 73% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
31.4%
+1.0pp YoY +1.0pp QoQ |
-1.2pp | 32.6% | 23.0% | 31.3% | 54% |
| Consumer |
2.8%
+0.3pp YoY 0.0pp QoQ |
-1.3pp | 4.1% | 2.9% | 5.0% | 57% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
26.8%
+1.9pp YoY +0.5pp QoQ |
+8.0pp | 18.8% | 15.4% | 19.7% | 91% |
| Leverage Ratio |
19.3%
+0.3pp YoY -0.3pp QoQ |
+7.1pp | 12.2% | 12.4% | 12.6% | 96% |
| Total Capital Ratio |
28.0%
+2.0pp YoY +0.5pp QoQ |
+8.1pp | 19.9% | 16.5% | 20.8% | 91% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
-4 (-26.7%) YoY -1 (-8.3%) QoQ |
-48 | 58 | 64 | 482 | 1% |
| Assets per Employee ($) |
$13.5M
+41.2% YoY +7.6% QoQ |
+$6.0M | $7.5M | $8.9M | $8.8M | 95% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | 3.1% | +2.1pp | 0.9% | 1.0% | 1.0% | 94% |
| Allowance Coverage |
0.46x
-55.7% YoY -76.3% QoQ |
-23.69x | 24.15x | 18.97x | 20.23x | 8% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
-1.1pp YoY -0.3pp QoQ |
-2.3pp | 12.2% | 12.8% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.8%
-0.2pp YoY 0.0pp QoQ |
+0.1pp | 1.7% | 1.8% | 1.7% | 58% |
| Net Income ($, YTD) |
$1.3M
-3.7% YoY — QoQ |
-$1.2M | $2.6M | $4.0M | $40.4M | 36% |
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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.