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Iowa State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 10497

Sac City, 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 +7.5% year over year ($187.5M on the books).
  • Delinquency rate 1.87%.
  • Return on assets 1.47%.
  • Efficiency ratio 52.91% vs a 64.48% peer average.
  • Loan-to-deposit ratio 80.43% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Iowa State Bank has 2 strengths but faces 3 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 0.14% above tier average
  • + Efficiency Ratio 11.57% below tier average

Key Concerns

Areas that may need attention

  • - Margin Compression: Bottom 64.2% in tier
  • - Net Interest Margin 0.81% below tier average
  • - Delinquency Rate 0.95% above tier average
Get updates when Iowa State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $213.3M
+7.6% YoY -2.1% QoQ
-$173.2M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
30%
Total Loans ? $150.8M
-4.8% YoY -4.4% QoQ
-$107.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
35%
Total Deposits ? $187.5M
+7.5% YoY -2.6% QoQ
-$139.3M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
31%
Return on Assets ? 1.47%
-11.1% YoY -11.9% QoQ
+0.14% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
63%
Net Interest Margin ? 3.17%
-1.7% YoY -2.4% QoQ
-0.81% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
15%
Efficiency Ratio ? 52.91%
+6.5% YoY +5.4% QoQ
-11.57% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
77%
Delinquency Rate ? 1.87%
+794.2% YoY +33.7% QoQ
+0.95% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 14.1% in tier
Loan-to-Deposit Ratio ? 80.43%
-11.5% YoY -1.9% QoQ
+2.48% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
48%
Non-Interest-Bearing Deposit Share ? 17.33%
+4.8% YoY -49.7% QoQ
-4.70% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 1.66%
+894.9% YoY +23.4% QoQ
+0.99% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 10.2% in tier
Tier 1 Capital Ratio ? 11.53%
+0.3% YoY -0.8% QoQ
-4.38% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
29%
Non-Interest Income / Assets ? 0.17%
+11.3% YoY +79.2% QoQ
-0.39% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
42%

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 17.3%
+0.8pp YoY
-17.1pp QoQ
 -4.8pp 22.1% 17.8% 22.2% 33%
Brokered Deposits n/a n/a 7.9% 6.0% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 10.7%
-0.7pp YoY
+0.3pp QoQ
 -0.8pp 11.6% 12.8% 12.5% 57%
CRE 22.4%
-0.5pp YoY
-0.7pp QoQ
 -17.1pp 39.5% 28.3% 41.4% 22%
1-4 Family 30.0%
+2.3pp YoY
+0.6pp QoQ
 -2.6pp 32.6% 23.0% 31.3% 51%
Consumer 5.7%
+0.6pp YoY
+0.5pp QoQ
 +1.6pp 4.1% 2.9% 5.0% 81%

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 11.5%
0.0pp YoY
-0.1pp QoQ
 -0.6pp 12.2% 12.4% 12.6% 58%
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 25
+3 (+13.6%) YoY
0 QoQ
 -34 58 64 482 19%
Assets per Employee ($) $8.5M
-5.3% YoY
-2.1% QoQ
 +$1.0M $7.5M $8.9M $8.8M 74%
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 0.0%
-1.2pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 2%
Nonaccrual 1.9%
+1.7pp YoY
+1.7pp QoQ
 +0.9pp 0.9% 1.0% 1.0% 86%
Allowance Coverage 0.86x
-89.4% YoY
-30.0% QoQ
 -23.29x 24.15x 18.97x 20.23x 23%
Net Charge-off Rate (YTD) 0.4%
+0.5pp YoY
+0.4pp QoQ
 +0.3pp 0.1% 0.1% 0.2% 93%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 12.7%
-2.1pp YoY
-1.8pp QoQ
 +0.5pp 12.2% 12.8% 11.6% 54%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
+0.1pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 78%
Net Income ($, YTD) $1.6M
-5.3% YoY
— QoQ
 -$1.0M $2.6M $4.0M $40.4M 43%

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 (1)

Margin Compression

decline
#198 of 307 • Bottom 64.2% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature
Return on Assets: 1.47%
(Tier: 1.32%, National: 1.30%)
better than tier avg
307 of 307 Community banks match · 413 nationally
→ Stable +8 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

607
Efficiency Ratio
profitability
Value: 52.91%
Peer Median: 64.48%
#607 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (3 metrics)

2374
Nonperforming Asset Ratio
credit_quality
Value: 1.66%
Peer Median: 0.67%
#2374 of 2643 Bottom 10.2% in $100M-$1B
2262
Delinquency Rate
credit_quality
Value: 1.87%
Peer Median: 0.92%
#2262 of 2633 Bottom 14.1% in $100M-$1B
2242
Net Interest Margin
profitability
Value: 3.17%
Peer Median: 3.99%
#2242 of 2643 Bottom 15.2% in $100M-$1B
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