BlastPoint's Banking Scorecard

VISIONBANK OF IOWA

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

Ames, IA

13 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 -1.6% year over year ($758.9M on the books).
Delinquency rate 0.72%.
Return on assets 1.51%.
Efficiency ratio 61.81% vs a 64.48% peer average.
Loan-to-deposit ratio 98.40% 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) →

VISIONBANK OF IOWA has 3 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 0.18% above tier average
+ Efficiency Ratio 2.67% below tier average
+ Delinquency Rate 0.20% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 16.5% in tier
- Liquidity Strain: Bottom 21.0% in tier
- Flatlined Growth: Bottom 46.7% in tier
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$896.1M -1.9% YoY -0.4% QoQ	+$509.5M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 3.9% in tier
Total Loans ?	$746.7M -0.2% YoY -2.3% QoQ	+$488.4M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 1.1% in tier
Total Deposits ?	$758.9M -1.6% YoY +2.6% QoQ	+$432.1M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 4.0% in tier
Return on Assets ?	1.51% +25.8% YoY +6.0% QoQ	+0.18%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	66%
Net Interest Margin ?	3.80% +10.4% YoY +1.7% QoQ	-0.19%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	42%
Efficiency Ratio ?	61.81% -3.1% YoY -2.9% QoQ	-2.67%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	52%
Delinquency Rate ?	0.72% +107.5% YoY -0.1% QoQ	-0.20%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	37%
Loan-to-Deposit Ratio ?	98.40% +1.4% YoY -4.7% QoQ	+20.45%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 12.1% in tier
Non-Interest-Bearing Deposit Share ?	16.37% +0.7% YoY -0.5% QoQ	-5.66%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	29%
Nonperforming Asset Ratio ?	0.61% +115.3% YoY +0.0% QoQ	-0.05%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	34%
Tier 1 Capital Ratio ?	10.95% +6.7% YoY +4.9% QoQ	-4.96%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.25% +27.8% YoY +94.5% QoQ	-0.32%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	64%

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	16.4% +0.1pp YoY -0.1pp QoQ	-5.8pp	22.1%	17.8%	22.2%	29%
Brokered Deposits	0.3% -4.5pp YoY -0.3pp QoQ	-7.6pp	7.9%	6.0%	8.5%	9%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	12.7% +0.2pp YoY +0.3pp QoQ	+1.2pp	11.6%	12.8%	12.5%	67%
CRE	58.8% -1.2pp YoY -0.6pp QoQ	+19.2pp	39.5%	28.3%	41.4%	83%
1-4 Family	20.4% +1.0pp YoY +0.2pp QoQ	-12.2pp	32.6%	23.0%	31.3%	31%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	2.9%	5.0%	7%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.9% +0.7pp YoY +0.5pp QoQ	-7.9pp	18.8%	15.4%	19.7%	7%
Leverage Ratio	9.4% +0.5pp YoY +0.1pp QoQ	-2.7pp	12.2%	12.4%	12.6%	20%
Total Capital Ratio	12.0% +0.7pp YoY +0.5pp QoQ	-7.9pp	19.9%	16.5%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	130 +6 (+4.8%) YoY 0 QoQ	+71	58	64	482	95%
Assets per Employee ($)	$6.9M -6.4% YoY -0.4% QoQ	-$625K	$7.5M	$8.9M	$8.8M	50%
Branch Count	13 0 YoY 0 QoQ	+8	4	5	18	96%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.7% +0.4pp YoY 0.0pp QoQ	-0.2pp	0.9%	1.0%	1.0%	63%
Allowance Coverage	1.56x -50.8% YoY +2.2% QoQ	-22.59x	24.15x	18.97x	20.23x	40%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	38%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	14.6% +2.2pp YoY +0.7pp QoQ	+2.4pp	12.2%	12.8%	11.6%	66%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.8%	1.7%	70%
Net Income ($, YTD)	$6.8M +24.3% YoY — QoQ	+$4.2M	$2.6M	$4.0M	$40.4M	95%

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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 (3)

Capital Thin

risk

#110 of 661 • Bottom 16.5% 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: 10.95%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Liquidity Strain

risk

#146 of 691 • Bottom 21.0% 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: 98.40%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

Flatlined Growth

risk

#248 of 529 • Bottom 46.7% 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: 1.51%

(Tier: 1.32%, National: 1.30%)

better than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 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).

Compare against:

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

Top Strengths (3 metrics)

Total Loans

size

Value: $746.72M

Peer Median: $258.35M

#29 of 2643 Top 1.1% in $100M-$1B

103

Total Assets

size

Value: $896.12M

Peer Median: $386.57M

#103 of 2643 Top 3.9% in $100M-$1B

107

Total Deposits

size

Value: $758.87M

Peer Median: $326.73M

#107 of 2643 Top 4.0% in $100M-$1B

Top Weaknesses (2 metrics)

2325

Loan-to-Deposit Ratio

liquidity

Value: 98.40%

Peer Median: 77.95%

#2325 of 2643 Bottom 12.1% in $100M-$1B

2051

Tier 1 Capital Ratio

capital

Value: 10.95%

Peer Median: 15.91%

#2051 of 2643 Bottom 22.4% in $100M-$1B