BlastPoint's Banking Scorecard

Success Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 10127

Bloomfield, IA

3 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Success Bank has 4 strengths but faces 4 concerns

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

+ ROA 0.51% above tier average
+ Net Interest Margin 0.26% above tier average
+ Efficiency Ratio 6.99% below tier average
+ Delinquency Rate 0.52% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 27.8% in tier
- Credit Risk Growth: Bottom 33.9% in tier
- Capital Constraint: Bottom 44.4% in tier
- Credit Quality Pressure: Bottom 45.2% in tier

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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 ?	$267.1M -0.5% YoY -1.0% QoQ	-$119.0M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	40%
Total Loans ?	$212.0M +5.1% YoY -0.7% QoQ	-$43.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	51%
Total Deposits ?	$227.0M -3.8% YoY +1.2% QoQ	-$101.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	41%
Return on Assets ?	1.78% +13.9% YoY +2.5% QoQ	+0.51%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.19% +6.8% YoY +3.0% QoQ	+0.26%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	68%
Efficiency Ratio ?	58.30% -0.8% YoY +5.3% QoQ	-6.99%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	65%
Delinquency Rate ?	0.37% +0.5% QoQ	-0.52%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	52%
Loan-to-Deposit Ratio ?	93.39% +9.3% YoY -1.8% QoQ	+16.76%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	24.43% +5.1% YoY -6.1% QoQ	+2.41%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.29% +0.8% QoQ	-0.34%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	12.72% +8.7% YoY +1.0% QoQ	-3.12%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.06% +6.0% YoY -75.8% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	24%

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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 (4)

Liquidity Strain

risk

#180 of 643 • Bottom 27.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.39%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#331 of 973 • Bottom 33.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Capital Constraint

risk

#49 of 108 • Bottom 44.4% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 93.39%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 12.72%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#592 of 1308 • Bottom 45.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.37%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

507

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.27%

#507 of 2664 Top 19.0% in $100M-$1B

Top Weaknesses (2 metrics)

2201

Loan-to-Deposit Ratio

liquidity

Value: 93.39%

Peer Median: 76.64%

#2201 of 2664 Bottom 17.4% in $100M-$1B

2029

Non-Interest Income / Assets

revenue_mix

Value: 0.06%

Peer Median: 0.28%

#2029 of 2664 Bottom 23.9% in $100M-$1B