BlastPoint's Banking Scorecard

American Trust and Savings Bank

under $100M Specialty: Agricultural IA FDIC cert 10120

Designations: ✓ Community bank

Lowden, IA

541 banks in the under $100M peer group nationally 33 in IA

American Trust and Savings Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Return on Assets 1.73% below tier average
- Net Interest Margin 2.24% below tier average
- Efficiency Ratio 67.96% above tier average
- Delinquency Rate 30.89% above tier average
- Nonperforming Asset Ratio 4.98% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$28.7M -14.6% YoY -7.3% QoQ	-$33.5M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 11.3% in tier
Total Loans ?	$5.1M -8.6% YoY -12.7% QoQ	-$29.1M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 5.9% in tier
Total Deposits ?	$23.6M -18.7% YoY -9.4% QoQ	-$28.1M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 13.3% in tier
Return on Assets ?	-0.90% -49.7% QoQ	-1.73%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Bottom 7.9% in tier
Net Interest Margin ?	1.62% -16.7% YoY -17.9% QoQ	-2.24%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 1.8% in tier
Efficiency Ratio ?	156.30% +58.6% YoY +23.7% QoQ	+67.96%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Bottom 3.9% in tier
Delinquency Rate ?	32.26% +220.9% YoY +229.9% QoQ	+30.89%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Bottom 0.2% in tier
Loan-to-Deposit Ratio ?	21.70% +12.4% YoY -3.6% QoQ	-42.52%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 5.7% in tier
Non-Interest-Bearing Deposit Share ?	14.81% -2.6% YoY -16.5% QoQ	-8.91%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	24%
Nonperforming Asset Ratio ?	5.77% +187.9% YoY +210.9% QoQ	+4.98%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 2.4% in tier
Tier 1 Capital Ratio ?	40.71% +5.6% YoY +2.5% QoQ	+14.02%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 9.6% in tier
Non-Interest Income / Assets ?	0.02% -88.7% YoY -97.1% QoQ	-0.65%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 11.1% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (2 metrics)

Loan-to-Deposit Ratio

liquidity

Value: 21.70%

Peer Median: 64.22%

#32 of 541 Top 5.7% in under $100M

Tier 1 Capital Ratio

capital

Value: 40.71%

Peer Median: 26.68%

#53 of 541 Top 9.6% in under $100M

Top Weaknesses (10 metrics)

521

Delinquency Rate

credit_quality

Value: 32.26%

Peer Median: 1.37%

#521 of 521 Bottom 0.2% in under $100M

532

Net Interest Margin

profitability

Value: 1.62%

Peer Median: 3.86%

#532 of 541 Bottom 1.8% in under $100M

529

Nonperforming Asset Ratio

credit_quality

Value: 5.77%

Peer Median: 0.79%

#529 of 541 Bottom 2.4% in under $100M

521

Efficiency Ratio

profitability

Value: 156.30%

Peer Median: 88.34%

#521 of 541 Bottom 3.9% in under $100M

510

Total Loans

size

Value: $5.13M

Peer Median: $34.25M

#510 of 541 Bottom 5.9% in under $100M

499

Return on Assets

profitability

Value: -0.90%

Peer Median: 0.84%

#499 of 541 Bottom 7.9% in under $100M

482

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#482 of 541 Bottom 11.1% in under $100M

481

Total Assets

size

Value: $28.69M

Peer Median: $62.16M

#481 of 541 Bottom 11.3% in under $100M

470

Total Deposits

size

Value: $23.63M

Peer Median: $51.74M

#470 of 541 Bottom 13.3% in under $100M

411

Non-Interest-Bearing Deposit Share

funding

Value: 14.81%

Peer Median: 23.71%

#411 of 541 Bottom 24.2% in under $100M