BlastPoint's Banking Scorecard
Bridge Community Bank
Mount Vernon, 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 +4.8% year over year ($116.7M on the books).
- Delinquency rate 0.03%.
- Return on assets 1.26%.
- Efficiency ratio 44.72% vs a 64.48% peer average.
- Loan-to-deposit ratio 83.80% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bridge Community Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 14.6% in tier
- + Net Interest Margin 0.93% above tier average
- + Efficiency Ratio 19.76% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 2.4% in tier
- - Credit Risk Growth: Bottom 3.7% in tier
- - ROA 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$141.1M
+11.4% YoY
-5.0% QoQ
|
-$245.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.7% in tier |
| Total Loans ? |
$97.8M
+3.1% YoY
-0.5% QoQ
|
-$160.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
18% |
| Total Deposits ? |
$116.7M
+4.8% YoY
-6.3% QoQ
|
-$210.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.7% in tier |
| Return on Assets ? |
1.26%
+19.4% YoY
-2.7% QoQ
|
-0.06% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
4.91%
+28.0% YoY
+1.1% QoQ
|
+0.93% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Top 9.3% in tier |
| Efficiency Ratio ? |
44.72%
-19.7% YoY
+3.3% QoQ
|
-19.76% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 8.6% in tier |
| Delinquency Rate ? |
0.03%
+29.3% YoY
-3.0% QoQ
|
-0.89% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
83% |
| Loan-to-Deposit Ratio ? |
83.80%
-1.6% YoY
+6.2% QoQ
|
+5.85% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
24.48%
-6.9% YoY
-13.7% QoQ
|
+2.45% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.02%
+19.6% YoY
+1.7% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
84% |
| Tier 1 Capital Ratio ? |
10.49%
-10.3% YoY
+6.3% QoQ
|
-5.42% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
17% |
| Non-Interest Income / Assets ? |
0.22%
-29.7% YoY
+111.9% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
24.5%
-1.8pp YoY -3.9pp QoQ |
+2.3pp | 22.1% | 17.8% | 22.2% | 64% |
| 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 |
14.7%
-1.4pp YoY -0.2pp QoQ |
+3.2pp | 11.6% | 12.8% | 12.5% | 75% |
| CRE |
13.1%
-0.8pp YoY 0.0pp QoQ |
-26.5pp | 39.5% | 28.3% | 41.4% | 8% |
| 1-4 Family |
42.6%
+0.5pp YoY +1.2pp QoQ |
+9.9pp | 32.6% | 23.0% | 31.3% | 74% |
| Consumer |
4.1%
-0.1pp YoY 0.0pp QoQ |
0.0pp | 4.1% | 2.9% | 5.0% | 71% |
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 |
10.5%
-1.2pp YoY +0.6pp QoQ |
-1.7pp | 12.2% | 12.4% | 12.6% | 41% |
| 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 |
17
-2 (-10.5%) YoY 0 QoQ |
-42 | 58 | 64 | 482 | 7% |
| Assets per Employee ($) |
$8.3M
+24.5% YoY -5.0% QoQ |
+$780K | $7.5M | $8.9M | $8.8M | 71% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 7% |
| Allowance Coverage |
37.00x
+0.3% YoY +6.1% QoQ |
+12.85x | 24.15x | 18.97x | 20.23x | 92% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.7pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 17% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.4%
-0.6pp YoY -0.5pp QoQ |
-3.8pp | 12.2% | 12.8% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.8% | 1.7% | 27% |
| Net Income ($, YTD) |
$919,000
+37.8% YoY — QoQ |
-$1.6M | $2.6M | $4.0M | $40.4M | 24% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.