BlastPoint's Banking Scorecard
Exchange State Bank
Ames, IA
3 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 +7.0% year over year ($117.5M on the books).
- Delinquency rate 1.00%.
- Return on assets 1.97%.
- Efficiency ratio 43.27% vs a 64.48% peer average.
- Loan-to-deposit ratio 103.38% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Exchange State Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.21% below tier average
- + ROA 0.65% above tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 25.43% above tier average
- - Non-Interest Income / Assets 0.54% below tier average
- - Net Interest Margin 0.16% below tier average
- - Delinquency Rate 0.09% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$146.0M
+5.8% YoY
-0.3% QoQ
|
-$240.6M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 12.8% in tier |
| Total Loans ? |
$121.5M
+3.8% YoY
+0.6% QoQ
|
-$136.9M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
26% |
| Total Deposits ? |
$117.5M
+7.0% YoY
-0.1% QoQ
|
-$209.2M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.9% in tier |
| Return on Assets ? |
1.97%
+10.7% YoY
-2.2% QoQ
|
+0.65% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Top 13.7% in tier |
| Net Interest Margin ? |
3.83%
+6.0% YoY
-1.0% QoQ
|
-0.16% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
43.27%
-9.4% YoY
+1.1% QoQ
|
-21.21% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 6.8% in tier |
| Delinquency Rate ? |
1.00%
+4.1% QoQ
|
+0.09% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
103.38%
-3.1% YoY
+0.6% QoQ
|
+25.43% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 6.8% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.96%
-1.4% YoY
+0.9% QoQ
|
-2.07% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.84%
+5.1% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
11.17%
+2.3% YoY
+2.8% QoQ
|
-4.74% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.02%
-8.5% YoY
+107.3% QoQ
|
-0.54% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 1.7% 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 |
20.0%
-0.3pp YoY +0.2pp QoQ |
-2.2pp | 22.1% | 17.8% | 22.2% | 45% |
| Brokered Deposits |
4.3%
-0.3pp YoY 0.0pp QoQ |
-3.6pp | 7.9% | 6.0% | 8.5% | 46% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.8%
-0.6pp YoY +1.8pp QoQ |
-1.8pp | 11.6% | 12.8% | 12.5% | 51% |
| CRE |
23.8%
+0.9pp YoY -0.2pp QoQ |
-15.7pp | 39.5% | 28.3% | 41.4% | 24% |
| 1-4 Family |
18.5%
-0.4pp YoY 0.0pp QoQ |
-14.1pp | 32.6% | 23.0% | 31.3% | 27% |
| Consumer |
1.0%
-0.2pp YoY -0.1pp QoQ |
-3.1pp | 4.1% | 2.9% | 5.0% | 30% |
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 |
11.2%
+0.3pp YoY +0.3pp QoQ |
-1.0pp | 12.2% | 12.4% | 12.6% | 53% |
| 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 |
12
-2 (-14.3%) YoY 0 QoQ |
-47 | 58 | 64 | 482 | 2% |
| Assets per Employee ($) |
$12.2M
+23.5% YoY -0.3% QoQ |
+$4.6M | $7.5M | $8.9M | $8.8M | 93% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.2pp QoQ |
-0.1pp | 0.3% | 0.4% | 0.4% | 67% |
| Nonaccrual |
0.8%
+0.3pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 65% |
| Allowance Coverage |
0.85x
-1.7% QoQ |
-23.30x | 24.15x | 18.97x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.2%
+0.5pp YoY -0.8pp QoQ |
+7.0pp | 12.2% | 12.8% | 11.6% | 85% |
| Cost of Funds (YTD) |
1.7%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 50% |
| Net Income ($, YTD) |
$1.4M
+14.2% YoY — QoQ |
-$1.1M | $2.6M | $4.0M | $40.4M | 40% |
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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.