BlastPoint's Banking Scorecard

VISIONBANK OF IOWA

$100M-$1B Specialty: Commercial IA FDIC cert 11763

Ames, IA

13 branches across IA

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

VISIONBANK OF IOWA has 3 strengths but faces 6 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 0.15% above tier average
+ Efficiency Ratio 1.63% below tier average
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 10.4% in tier
- Credit Risk Growth: Bottom 22.5% in tier
- Liquidity Strain: Bottom 43.2% in tier
- Deposit Outflow: Bottom 43.5% in tier
- Flatlined Growth: Bottom 48.0% in tier
- Net Interest Margin 0.19% below 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 ?	$899.9M -1.3% YoY +0.2% QoQ	+$513.8M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 3.8% in tier
Total Loans ?	$764.1M +1.2% YoY +0.7% QoQ	+$508.4M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 0.8% in tier
Total Deposits ?	$740.0M -1.8% YoY -2.0% QoQ	+$412.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 5.0% in tier
Return on Assets ?	1.42% +32.9% YoY +8.4% QoQ	+0.15%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	63%
Net Interest Margin ?	3.74% +11.8% YoY +5.7% QoQ	-0.19%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	63.66% -4.7% YoY +2.3% QoQ	-1.63%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	49%
Delinquency Rate ?	0.72% +212.5% YoY -7.6% QoQ	-0.16%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	103.26% +3.1% YoY +2.7% QoQ	+26.63%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 5.9% in tier
Non-Interest-Bearing Deposit Share ?	16.45% -4.6% YoY -3.3% QoQ	-5.57%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	29%
Nonperforming Asset Ratio ?	0.61% +220.3% YoY -7.1% QoQ	-0.02%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	32%
Tier 1 Capital Ratio ?	10.44% +5.3% YoY +2.3% QoQ	-5.39%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	15%
Non-Interest Income / Assets ?	0.13% +34.3% YoY -70.8% QoQ	-0.15%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	67%

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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 (5)

Capital Thin

risk

#70 of 666 • Bottom 10.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.44%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#220 of 973 • Bottom 22.5% 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

Liquidity Strain

risk

#279 of 643 • Bottom 43.2% 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: 103.26%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#221 of 506 • Bottom 43.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Flatlined Growth

risk

#247 of 512 • Bottom 48.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.42%

(Tier: 1.27%, National: 1.23%)

better than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 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 (3 metrics)

Total Loans

size

Value: $764.11M

Peer Median: $255.72M

#21 of 2664 Top 0.8% in $100M-$1B

101

Total Assets

size

Value: $899.90M

Peer Median: $386.08M

#101 of 2664 Top 3.8% in $100M-$1B

133

Total Deposits

size

Value: $739.95M

Peer Median: $327.97M

#133 of 2664 Top 5.0% in $100M-$1B

Top Weaknesses (2 metrics)

2507

Loan-to-Deposit Ratio

liquidity

Value: 103.26%

Peer Median: 76.64%

#2507 of 2664 Bottom 5.9% in $100M-$1B

2254

Tier 1 Capital Ratio

capital

Value: 10.44%

Peer Median: 15.83%

#2254 of 2664 Bottom 15.4% in $100M-$1B