BlastPoint's Banking Scorecard

Iowa State Bank

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

Designations: ✓ Community bank

Hull, IA

14 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits -1.1% year over year ($873.0M on the books).
Delinquency rate 0.06%.
Return on assets 1.60%.
Efficiency ratio 45.75% vs a 59.73% peer average.
Loan-to-deposit ratio 102.38% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

View $1B-$10B leaderboard (IA) →

Iowa State Bank has 4 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

+ Delinquency Rate 0.80% below tier average
+ Nonperforming Asset Ratio 0.63% below tier average
+ ROA 0.21% above tier average
+ Efficiency Ratio 13.98% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 35.1% in tier
- Net Interest Margin 0.19% below tier average

Get updates when Iowa State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$1.3B +4.9% YoY +1.8% QoQ	-$1.5B	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	21%
Total Loans ?	$893.8M +6.2% YoY +3.2% QoQ	-$1.1B	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	23%
Total Deposits ?	$873.0M -1.1% YoY -2.4% QoQ	-$1.4B	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Bottom 4.9% in tier
Return on Assets ?	1.60% +16.4% YoY +7.1% QoQ	+0.21%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	3.68% +8.3% YoY +1.1% QoQ	-0.19%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	48%
Efficiency Ratio ?	45.75% -7.5% YoY -7.3% QoQ	-13.98%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 13.0% in tier
Delinquency Rate ?	0.06% -95.9% YoY -75.9% QoQ	-0.80%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Top 9.3% in tier
Loan-to-Deposit Ratio ?	102.38% +7.4% YoY +5.8% QoQ	+17.35%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 10.1% in tier
Non-Interest-Bearing Deposit Share ?	14.76% -6.3% YoY +4.6% QoQ	-6.51%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	26%
Nonperforming Asset Ratio ?	0.04% -95.8% YoY -75.5% QoQ	-0.63%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Top 8.6% in tier
Tier 1 Capital Ratio ?	11.72% +4.3% YoY +3.0% QoQ	-3.12%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.19% +1.4% YoY +105.6% QoQ	-0.34%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	29%

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	14.8% -1.0pp YoY +0.6pp QoQ	-6.6pp	21.4%	17.8%	22.2%	26%
Brokered Deposits	6.3% +1.2pp YoY +0.2pp QoQ	-3.1pp	9.5%	6.0%	8.5%	56%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	9.4% +2.2pp YoY +1.5pp QoQ	-4.6pp	14.0%	12.8%	12.5%	41%
CRE	23.4% +2.5pp YoY +0.9pp QoQ	-26.6pp	50.0%	28.3%	41.4%	6%
1-4 Family	6.3% -0.9pp YoY -0.1pp QoQ	-20.1pp	26.4%	23.0%	31.3%	8%
Consumer	1.3% -0.5pp YoY -0.2pp QoQ	-3.4pp	4.7%	2.9%	5.0%	52%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	15.4%	19.7%	n/a
Leverage Ratio	11.7% +0.5pp YoY +0.3pp QoQ	+0.4pp	11.3%	12.4%	12.6%	73%
Total Capital Ratio	n/a	n/a	16.7%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	109 -5 (-4.4%) YoY 0 QoQ	-205	313	64	482	10%
Assets per Employee ($)	$11.5M +9.7% YoY +1.8% QoQ	+$1.1M	$10.5M	$8.9M	$8.8M	76%
Branch Count	14 0 YoY 0 QoQ	-6	20	5	18	46%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -1.4pp YoY -0.1pp QoQ	-0.1pp	0.2%	0.4%	0.4%	58%
Nonaccrual	0.0% -0.1pp YoY -0.1pp QoQ	-0.8pp	0.8%	1.0%	1.0%	3%
Allowance Coverage	19.02x +2491.2% YoY +311.0% QoQ	+0.31x	18.71x	18.97x	20.23x	94%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY +0.1pp QoQ	-0.3pp	0.3%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.2% +0.5pp YoY +0.7pp QoQ	+2.6pp	12.6%	12.8%	11.6%	75%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.8%	1.7%	76%
Net Income ($, YTD)	$10.0M +24.2% YoY — QoQ	-$9.2M	$19.2M	$4.0M	$40.4M	40%

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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 (1)

Deposit Outflow

decline

#47 of 131 • Bottom 35.1% in tier

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

131 of 131 Mid-Market 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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (3 metrics)

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.67%

#77 of 885 Top 8.6% in $1B-$10B

Delinquency Rate

credit_quality

Value: 0.06%

Peer Median: 0.87%

#83 of 882 Top 9.3% in $1B-$10B

116

Efficiency Ratio

profitability

Value: 45.75%

Peer Median: 59.73%

#116 of 885 Top 13.0% in $1B-$10B

Top Weaknesses (4 metrics)

843

Total Deposits

size

Value: $872.98M

Peer Median: $2.32B

#843 of 885 Bottom 4.9% in $1B-$10B

797

Loan-to-Deposit Ratio

liquidity

Value: 102.38%

Peer Median: 85.04%

#797 of 885 Bottom 10.1% in $1B-$10B

704

Total Assets

size

Value: $1.26B

Peer Median: $2.79B

#704 of 885 Bottom 20.6% in $1B-$10B

680

Total Loans

size

Value: $893.80M

Peer Median: $1.96B

#680 of 885 Bottom 23.3% in $1B-$10B