BlastPoint's Banking Scorecard
BANK
Wapello, IA
7 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 +34.7% year over year ($193.0M on the books).
- Delinquency rate 0.80%.
- Return on assets 0.67%.
- Efficiency ratio 76.32% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.01% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
BANK has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.31% above tier average
- + Delinquency Rate 0.12% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.65% below tier average
- - Efficiency Ratio 11.84% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$217.4M
+32.4% YoY
+3.8% QoQ
|
-$169.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
30% |
| Total Loans ? |
$135.1M
+8.5% YoY
+0.3% QoQ
|
-$123.2M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
30% |
| Total Deposits ? |
$193.0M
+34.7% YoY
+4.6% QoQ
|
-$133.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
32% |
| Return on Assets ? |
0.67%
+25.3% YoY
+17.5% QoQ
|
-0.65% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
18% |
| Net Interest Margin ? |
4.30%
+16.4% YoY
+6.0% QoQ
|
+0.31% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
76.32%
-7.4% YoY
-7.3% QoQ
|
+11.84% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
18% |
| Delinquency Rate ? |
0.80%
-13.5% YoY
-14.8% QoQ
|
-0.12% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
34% |
| Loan-to-Deposit Ratio ? |
70.01%
-19.5% YoY
-4.1% QoQ
|
-7.94% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
23.82%
+31.6% YoY
-2.1% QoQ
|
+1.79% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.49%
-29.2% YoY
-17.7% QoQ
|
-0.17% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
11.25%
+13.8% YoY
+8.5% QoQ
|
-4.66% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.31%
-8.6% YoY
+130.3% QoQ
|
-0.26% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
73% |
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 |
23.8%
+5.7pp YoY -0.5pp QoQ |
+1.7pp | 22.1% | 17.8% | 22.2% | 62% |
| Brokered Deposits |
1.1%
-3.2pp YoY 0.0pp QoQ |
-6.8pp | 7.9% | 6.0% | 8.5% | 20% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
38.0%
+4.9pp YoY +1.8pp QoQ |
+26.4pp | 11.6% | 12.8% | 12.5% | 98% |
| CRE |
24.2%
-4.9pp YoY -1.0pp QoQ |
-15.3pp | 39.5% | 28.3% | 41.4% | 25% |
| 1-4 Family |
21.6%
-0.1pp YoY -0.1pp QoQ |
-11.1pp | 32.6% | 23.0% | 31.3% | 34% |
| Consumer |
8.9%
-2.2pp YoY -0.3pp QoQ |
+4.8pp | 4.1% | 2.9% | 5.0% | 90% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.2%
+0.9pp QoQ |
-7.6pp | 18.8% | 15.4% | 19.7% | 10% |
| Leverage Ratio |
8.7%
-1.2pp YoY 0.0pp QoQ |
-3.5pp | 12.2% | 12.4% | 12.6% | 8% |
| Total Capital Ratio |
12.5%
+0.9pp QoQ |
-7.4pp | 19.9% | 16.5% | 20.8% | 11% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
34
+4 (+13.3%) YoY 0 QoQ |
-25 | 58 | 64 | 482 | 33% |
| Assets per Employee ($) |
$6.4M
+16.9% YoY +3.8% QoQ |
-$1.1M | $7.5M | $8.9M | $8.8M | 40% |
| Branch Count |
7
+2 (+40.0%) YoY 0 QoQ |
+2 | 4 | 5 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 12% |
| Nonaccrual |
0.8%
-0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.9% | 1.0% | 1.0% | 66% |
| Allowance Coverage |
1.94x
+6.5% YoY +20.1% QoQ |
-22.21x | 24.15x | 18.97x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 35% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.0%
+1.9pp YoY +1.1pp QoQ |
-5.2pp | 12.2% | 12.8% | 11.6% | 21% |
| Cost of Funds (YTD) |
2.8%
-0.2pp YoY +0.1pp QoQ |
+1.1pp | 1.7% | 1.8% | 1.7% | 95% |
| Net Income ($, YTD) |
$709,000
+68.4% YoY — QoQ |
-$1.8M | $2.6M | $4.0M | $40.4M | 16% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.