BlastPoint's Banking Scorecard

Iowa State Bank

$1B-$10B Specialty: Agricultural IA FDIC cert 13953

Designations: ✓ Community bank

Hull, IA

14 branches across IA

884 banks in the $1B-$10B peer group nationally 27 in IA

Iowa State Bank has 3 strengths but faces 2 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 0.13% above tier average
+ Efficiency Ratio 11.71% below tier average
+ Delinquency Rate 0.63% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 38.5% in tier
- Net Interest Margin 0.18% below tier average

Get updates when Iowa State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$1.2B +6.4% YoY -2.3% QoQ	-$1.6B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$866.1M +9.8% YoY +0.1% QoQ	-$1.1B	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	21%
Total Deposits ?	$894.8M -2.4% YoY -2.4% QoQ	-$1.4B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 5.9% in tier
Return on Assets ?	1.49% +15.6% YoY -0.8% QoQ	+0.13%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	70%
Net Interest Margin ?	3.64% +8.3% YoY +4.9% QoQ	-0.18%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	49.35% -4.9% YoY +4.0% QoQ	-11.71%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	0.26% -94.1% YoY +0.4% QoQ	-0.63%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	96.79% +12.5% YoY +2.6% QoQ	+12.58%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	14.11% -2.9% YoY -17.8% QoQ	-7.18%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.18% -93.9% YoY +2.8% QoQ	-0.49%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	75%
Tier 1 Capital Ratio ?	11.38% +4.5% YoY +2.1% QoQ	-3.78%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.09% +6.7% YoY -78.4% QoQ	-0.16%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	29%

Get Full Access to Iowa State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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)

Deposit Outflow

decline

#51 of 130 • Bottom 38.5% in tier

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

130 of 130 Mid-Market banks match · 656 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (2 metrics)

178

Efficiency Ratio

profitability

Value: 49.35%

Peer Median: 61.06%

#178 of 884 Top 20.0% in $1B-$10B

219

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#219 of 884 Top 24.7% in $1B-$10B

Top Weaknesses (6 metrics)

833

Total Deposits

size

Value: $894.83M

Peer Median: $2.34B

#833 of 884 Bottom 5.9% in $1B-$10B

715

Total Assets

size

Value: $1.23B

Peer Median: $2.82B

#715 of 884 Bottom 19.2% in $1B-$10B

704

Loan-to-Deposit Ratio

liquidity

Value: 96.79%

Peer Median: 84.20%

#704 of 884 Bottom 20.5% in $1B-$10B

703

Total Loans

size

Value: $866.08M

Peer Median: $1.96B

#703 of 884 Bottom 20.6% in $1B-$10B

694

Tier 1 Capital Ratio

capital

Value: 11.38%

Peer Median: 15.16%

#694 of 884 Bottom 21.6% in $1B-$10B

668

Non-Interest-Bearing Deposit Share

funding

Value: 14.11%

Peer Median: 21.29%

#668 of 884 Bottom 24.5% in $1B-$10B