BlastPoint's Banking Scorecard
Templeton Savings Bank
Templeton, 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 +9.8% year over year ($141.9M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.59%.
- Efficiency ratio 46.93% vs a 64.48% peer average.
- Loan-to-deposit ratio 75.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Templeton Savings Bank shows strong momentum with 4 strengths and 9.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.27% above tier average
- + Net Interest Margin 0.07% above tier average
- + Efficiency Ratio 17.55% below tier average
- + Delinquency Rate 0.91% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$169.6M
+9.0% YoY
+0.0% QoQ
|
-$216.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$107.7M
+5.6% YoY
+0.3% QoQ
|
-$150.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
21% |
| Total Deposits ? |
$141.9M
+9.8% YoY
-0.3% QoQ
|
-$184.9M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
1.59%
+25.7% YoY
+1.3% QoQ
|
+0.27% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
70% |
| Net Interest Margin ? |
4.05%
+11.9% YoY
+0.2% QoQ
|
+0.07% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
46.93%
-12.2% YoY
-0.7% QoQ
|
-17.55% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 11.6% in tier |
| Delinquency Rate ? |
0.00%
-98.9% YoY
|
-0.91% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 12.9% in tier |
| Loan-to-Deposit Ratio ? |
75.89%
-3.7% YoY
+0.5% QoQ
|
-2.06% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
58% |
| Non-Interest-Bearing Deposit Share ? |
23.86%
+9.6% YoY
-4.4% QoQ
|
+1.83% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.00%
-98.9% YoY
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 11.7% in tier |
| Tier 1 Capital Ratio ? |
14.50%
-1.3% YoY
-1.7% QoQ
|
-1.41% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.07%
-19.6% YoY
+149.0% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.1% 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 |
23.9%
+2.1pp YoY -1.1pp QoQ |
+1.7pp | 22.1% | 17.8% | 22.2% | 62% |
| Brokered Deposits |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.9pp | 7.9% | 6.0% | 8.5% | 3% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.8%
-2.6pp YoY +0.7pp QoQ |
-4.8pp | 11.6% | 12.8% | 12.5% | 31% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
26.2%
-0.1pp YoY +0.8pp QoQ |
-6.4pp | 32.6% | 23.0% | 31.3% | 43% |
| Consumer |
2.6%
+0.2pp YoY +0.2pp QoQ |
-1.5pp | 4.1% | 2.9% | 5.0% | 55% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
14.5%
-0.2pp YoY -0.3pp QoQ |
+2.3pp | 12.2% | 12.4% | 12.6% | 84% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
19
+2 (+11.8%) YoY +2 (+11.8%) QoQ |
-40 | 58 | 64 | 482 | 9% |
| Assets per Employee ($) |
$8.9M
-2.5% YoY -10.5% QoQ |
+$1.4M | $7.5M | $8.9M | $8.8M | 78% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.3pp YoY |
-0.3pp | 0.3% | 0.4% | 0.4% | 10% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
395.00x
+8961.3% YoY |
+370.85x | 24.15x | 18.97x | 20.23x | 99% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.1%
+2.1pp YoY +0.2pp QoQ |
-2.1pp | 12.2% | 12.8% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.5%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 34% |
| Net Income ($, YTD) |
$1.3M
+33.1% YoY — QoQ |
-$1.2M | $2.6M | $4.0M | $40.4M | 37% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.