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Bank 1st

$100M-$1B Specialty: Agricultural IA FDIC cert 13816

West Union, 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 -7.1% year over year ($128.6M on the books).
  • Delinquency rate 0.00%.
  • Return on assets 1.30%.
  • Efficiency ratio 60.93% vs a 64.48% peer average.
  • Loan-to-deposit ratio 74.24% 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) →

Bank 1st has 2 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

  • + Credit Quality Leader: Top 23.5% in tier
  • + Efficiency Ratio 3.55% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 1.0% in tier
  • - Credit Risk Growth: Bottom 7.3% in tier
  • - Deposit Outflow: Bottom 23.7% in tier
  • - Net Interest Margin 0.56% below tier average
Get updates when Bank 1st releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $166.1M
+2.7% YoY -0.6% QoQ
-$220.5M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
18%
Total Loans ? $95.5M
+4.1% YoY -1.3% QoQ
-$162.9M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $128.6M
-7.1% YoY -0.2% QoQ
-$198.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 1.30%
+14.1% YoY +8.0% QoQ
-0.03% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
53%
Net Interest Margin ? 3.43%
+7.3% YoY +0.9% QoQ
-0.56% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
24%
Efficiency Ratio ? 60.93%
-4.1% YoY -4.0% QoQ
-3.55% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
55%
Delinquency Rate ? 0.00%
+1.4% QoQ
-0.92% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Top 12.7% in tier
Loan-to-Deposit Ratio ? 74.24%
+12.0% YoY -1.2% QoQ
-3.71% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
62%
Non-Interest-Bearing Deposit Share ? 17.55%
+2.8% YoY +5.8% QoQ
-4.48% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
34%
Nonperforming Asset Ratio ? 0.00%
+0.6% QoQ
-0.67% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Top 11.4% in tier
Tier 1 Capital Ratio ? 15.20%
-2.6% YoY +2.1% QoQ
-0.71% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
67%
Non-Interest Income / Assets ? 0.10%
-5.5% YoY +82.6% QoQ
-0.47% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
19%

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 17.5%
+0.5pp YoY
+1.0pp QoQ
 -4.6pp 22.1% 17.8% 22.2% 34%
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 8.9%
-1.3pp YoY
+1.4pp QoQ
 -2.7pp 11.6% 12.8% 12.5% 46%
CRE 13.3%
-1.4pp YoY
-0.7pp QoQ
 -26.3pp 39.5% 28.3% 41.4% 9%
1-4 Family 32.8%
+0.1pp YoY
+1.7pp QoQ
 +0.2pp 32.6% 23.0% 31.3% 57%
Consumer 2.2%
-0.1pp YoY
+0.1pp QoQ
 -1.9pp 4.1% 2.9% 5.0% 50%

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 15.2%
-0.4pp YoY
+0.3pp QoQ
 +3.0pp 12.2% 12.4% 12.6% 88%
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 19
-2 (-9.5%) YoY
-2 (-9.5%) QoQ
 -40 58 64 482 9%
Assets per Employee ($) $8.7M
+13.5% YoY
+9.9% QoQ
 +$1.2M $7.5M $8.9M $8.8M 77%
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 QoQ
 -0.9pp 0.9% 1.0% 1.0% 1%
Allowance Coverage 467.00x
0.0% QoQ
 +442.85x 24.15x 18.97x 20.23x 99%
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 12.7%
-0.3pp YoY
+0.8pp QoQ
 +0.5pp 12.2% 12.8% 11.6% 54%
Cost of Funds (YTD) 1.2%
0.0pp YoY
0.0pp QoQ
 -0.5pp 1.7% 1.8% 1.7% 20%
Net Income ($, YTD) $1.1M
+16.8% YoY
— QoQ
 -$1.5M $2.6M $4.0M $40.4M 29%

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 (1)

Credit Quality Leader

growth
#156 of 659 • Top 23.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
659 of 659 Community banks match · 920 nationally
→ Stable +1 banks QoQ | QoQ rank improving

Concerns (3)

Credit Quality Pressure

risk
#13 of 1256 • Bottom 1.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.00%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#69 of 936 • Bottom 7.3% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#128 of 535 • Bottom 23.7% in tier

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

535 of 535 Community banks match · 686 nationally
→ Stable +31 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

303
Nonperforming Asset Ratio
credit_quality
Value: 0.00%
Peer Median: 0.67%
#303 of 2643 Top 11.4% in $100M-$1B
335
Delinquency Rate
credit_quality
Value: 0.00%
Peer Median: 0.92%
#335 of 2633 Top 12.7% in $100M-$1B

Top Weaknesses (5 metrics)

2244
Total Deposits
size
Value: $128.58M
Peer Median: $326.73M
#2244 of 2643 Bottom 15.1% in $100M-$1B
2188
Total Loans
size
Value: $95.46M
Peer Median: $258.35M
#2188 of 2643 Bottom 17.3% in $100M-$1B
2157
Total Assets
size
Value: $166.05M
Peer Median: $386.57M
#2157 of 2643 Bottom 18.4% in $100M-$1B
2153
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2153 of 2643 Bottom 18.6% in $100M-$1B
2002
Net Interest Margin
profitability
Value: 3.43%
Peer Median: 3.99%
#2002 of 2643 Bottom 24.3% in $100M-$1B
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