BlastPoint's Banking Scorecard
Ohnward Bank & Trust
Cascade, IA
6 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 ($417.6M on the books).
- Delinquency rate 0.61%.
- Return on assets 1.39%.
- Efficiency ratio 54.64% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.92% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Ohnward Bank & Trust shows strong momentum with 3 strengths and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.07% above tier average
- + Efficiency Ratio 9.84% below tier average
- + Delinquency Rate 0.31% 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 ? |
$499.1M
+8.6% YoY
+2.0% QoQ
|
+$112.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
72% |
| Total Loans ? |
$388.1M
+11.9% YoY
+3.0% QoQ
|
+$129.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
78% |
| Total Deposits ? |
$417.6M
+9.8% YoY
+2.2% QoQ
|
+$90.9M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
72% |
| Return on Assets ? |
1.39%
+22.4% YoY
+1.4% QoQ
|
+0.07% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
58% |
| Net Interest Margin ? |
4.00%
+9.2% YoY
+1.6% QoQ
|
+0.02% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
53% |
| Efficiency Ratio ? |
54.64%
-7.4% YoY
-0.3% QoQ
|
-9.84% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.61%
-24.9% YoY
-5.9% QoQ
|
-0.31% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
92.92%
+2.0% YoY
+0.9% QoQ
|
+14.97% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
13.71%
-8.4% YoY
-9.8% QoQ
|
-8.32% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.47%
-22.7% YoY
-5.0% QoQ
|
-0.20% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
12.58%
-1.2% YoY
-0.6% QoQ
|
-3.33% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.20%
+38.8% YoY
+100.2% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
51% |
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 |
13.7%
-1.3pp YoY -1.5pp QoQ |
-8.4pp | 22.1% | 17.8% | 22.2% | 19% |
| Brokered Deposits | 0.1% | -7.8pp | 7.9% | 6.0% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.1%
-3.0pp YoY -1.6pp QoQ |
+2.5pp | 11.6% | 12.8% | 12.5% | 73% |
| CRE |
28.0%
+2.9pp YoY +1.3pp QoQ |
-11.5pp | 39.5% | 28.3% | 41.4% | 31% |
| 1-4 Family |
25.6%
+0.9pp YoY +0.7pp QoQ |
-7.1pp | 32.6% | 23.0% | 31.3% | 42% |
| Consumer |
2.1%
+0.4pp YoY -0.2pp QoQ |
-2.0pp | 4.1% | 2.9% | 5.0% | 49% |
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 |
12.6%
-0.1pp YoY -0.1pp QoQ |
+0.4pp | 12.2% | 12.4% | 12.6% | 71% |
| 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 |
62
+2 (+3.3%) YoY +1 (+1.6%) QoQ |
+3 | 58 | 64 | 482 | 65% |
| Assets per Employee ($) |
$8.0M
+5.1% YoY +0.4% QoQ |
+$532K | $7.5M | $8.9M | $8.8M | 68% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 5 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.6%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 58% |
| Allowance Coverage |
1.84x
+42.9% YoY +7.9% QoQ |
-22.32x | 24.15x | 18.97x | 20.23x | 45% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.5%
+1.7pp YoY +0.2pp QoQ |
-0.7pp | 12.2% | 12.8% | 11.6% | 46% |
| Cost of Funds (YTD) |
2.0%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 73% |
| Net Income ($, YTD) |
$3.4M
+32.7% YoY — QoQ |
+$848K | $2.6M | $4.0M | $40.4M | 74% |
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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.