State Savings Bank
Rake, IA · Cert 8513 · Peer group: banks under $1B in assets in IA (n=137-138)
FDIC · 1 branch
Q3 2025
$82.0MAssets
$62.1MLoans
$68.4MDeposits
$12.3MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 98% of banks under $1B in assets in IA (rank 4 of 138).
- Widest gap: net charge-offs / loans trails 88% of banks under $1B in assets in IA (rank 121 of 137).
- Overall: at or above the peer median on 7 of 10 directional measures.
Return on Assets
1.70%
Rank 9 of 138
Net Interest Margin
3.53%
Rank 38 of 138
Efficiency Ratio
36.89%
Rank 4 of 138
Equity / Assets
15.01%
Rank 18 of 138
Non-interest income vs. expense
Unfavorable gap of $1.0M · efficiency ratio beats 98% of banks under $1B in assets in IA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.70% | 0.77% | 1.06% | 1.30% | Beats 93% | 9 / 138 | | |
| Return on Equity | 11.30% | 6.40% | 9.09% | 11.62% | Beats 72% | 39 / 138 | | |
| Net Interest Margin | 3.53% | 2.70% | 3.13% | 3.56% | Beats 72% | 38 / 138 | | |
| Efficiency Ratio | 36.89% | 53.09% | 59.26% | 67.99% | Beats 98% | 4 / 138 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.04% | 0.47% | 1.25% | Beats 47% | 73 / 137 | | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.02% | 0.08% | Beats 12% | 121 / 137 | | |
| Capital |
| Tier 1 Capital Ratio | 15.06% | 11.37% | 13.38% | 15.15% | Beats 73% | 37 / 138 | | |
| Total Risk-Based Capital Ratio | 15.06% | 12.00% | 13.96% | 16.13% | Beats 67% | 46 / 138 | | |
| Equity / Assets | 15.01% | 9.48% | 10.77% | 12.91% | Beats 87% | 18 / 138 | | |
| Liquidity & Funding |
| Loans / Deposits | 90.79% | 68.19% | 79.46% | 91.33% | 72nd pctl | 39 / 137 | | |
| Loans / Assets | 75.75% | 57.14% | 66.90% | 75.36% | 77th pctl | 32 / 137 | | |
| Brokered Deposits / Deposits | 4.19% | n/a | n/a | 2.54% | Beats 18% | 113 / 137 | n/a | |