BlastPoint

BlastPoint's Banking Scorecard

BANK

$100M-$1B Specialty: Commercial IA FDIC cert 14291

Wapello, IA

7 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

BANK has 1 strength 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

  • + Net Interest Margin 0.12% above tier average

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 27.3% in tier
  • - ROA 0.68% below tier average
Get updates when 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 ? $209.5M
+29.9% YoY +0.0% QoQ
-$176.6M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
29%
Total Loans ? $134.7M
+5.3% YoY +0.2% QoQ
-$121.0M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
31%
Total Deposits ? $184.5M
+35.5% YoY +0.5% QoQ
-$143.5M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 0.58%
+6.6% YoY +22.6% QoQ
-0.68% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
15%
Net Interest Margin ? 4.05%
+6.9% YoY +2.3% QoQ
+0.12% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
60%
Efficiency Ratio ? 82.35%
+0.5% YoY +0.0% QoQ
+17.06% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
Bottom 12.7% in tier
Delinquency Rate ? 0.93%
-3.3% YoY -9.2% QoQ
+0.05% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
30%
Loan-to-Deposit Ratio ? 73.04%
-22.3% YoY -0.4% QoQ
-3.60% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
62%
Non-Interest-Bearing Deposit Share ? 24.32%
+30.9% YoY +32.9% QoQ
+2.30% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
64%
Nonperforming Asset Ratio ? 0.60%
-21.7% YoY -9.1% QoQ
-0.04% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
33%
Tier 1 Capital Ratio ? 10.36%
-4.1% YoY +3.0% QoQ
-5.47% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
Bottom 14.6% in tier
Non-Interest Income / Assets ? 0.13%
-21.3% YoY -75.2% QoQ
-0.15% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
68%

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)

Efficiency Drag

risk
#114 of 414 • Bottom 27.3% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature
Efficiency Ratio: 82.35%
(Tier: 65.29%, National: 66.95%)
worse than tier avg
414 of 414 Community banks match · 492 nationally
→ Stable | QoQ rank declining

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

2327
Efficiency Ratio
profitability
Value: 82.35%
Peer Median: 65.29%
#2327 of 2664 Bottom 12.7% in $100M-$1B
2276
Tier 1 Capital Ratio
capital
Value: 10.36%
Peer Median: 15.83%
#2276 of 2664 Bottom 14.6% in $100M-$1B
2253
Return on Assets
profitability
Value: 0.58%
Peer Median: 1.27%
#2253 of 2664 Bottom 15.5% in $100M-$1B
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