BlastPoint's Banking Scorecard

Federation Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14352

Washington, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Federation Bank has 4 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

+ Profitability Leader: Top 9.2% in tier
+ Net Interest Margin 0.78% above tier average
+ Efficiency Ratio 9.62% below tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 10.8% in tier
- Credit Risk Growth: Bottom 30.1% in tier
- Credit Quality Pressure: Bottom 30.4% in tier
- Deposit Outflow: Bottom 42.5% in tier

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$151.2M -1.4% YoY -1.6% QoQ	-$234.9M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 14.5% in tier
Total Loans ?	$80.1M +6.9% YoY -0.5% QoQ	-$175.6M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 11.2% in tier
Total Deposits ?	$132.0M -2.6% YoY +0.1% QoQ	-$196.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	16%
Return on Assets ?	2.09% +149.9% YoY +88.2% QoQ	+0.82%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 10.3% in tier
Net Interest Margin ?	4.71% +31.7% YoY +24.1% QoQ	+0.78%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Top 12.7% in tier
Efficiency Ratio ?	55.67% -27.6% YoY -20.5% QoQ	-9.62%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.40% +60.3% YoY +43.8% QoQ	-0.49%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	60.66% +9.7% YoY -0.6% QoQ	-15.98%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	81%
Non-Interest-Bearing Deposit Share ?	21.93% -1.7% YoY +4.8% QoQ	-0.09%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	54%
Nonperforming Asset Ratio ?	0.21% -50.2% YoY +45.5% QoQ	-0.42%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	58%
Tier 1 Capital Ratio ?	10.52% +8.9% YoY +5.1% QoQ	-5.31%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	17%
Non-Interest Income / Assets ?	0.10% +35.9% YoY -70.2% QoQ	-0.18%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	52%

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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 (1)

Profitability Leader

growth

#62 of 666 • Top 9.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.09%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (4)

Capital Thin

risk

#73 of 666 • Bottom 10.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.52%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#294 of 973 • Bottom 30.1% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ

Credit Quality Pressure

risk

#399 of 1308 • Bottom 30.4% in tier

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

Why this signature

Delinquency Rate: 0.40%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Deposit Outflow

decline

#216 of 506 • Bottom 42.5% in tier

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

506 of 506 Community 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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

276

Return on Assets

profitability

Value: 2.09%

Peer Median: 1.27%

#276 of 2664 Top 10.3% in $100M-$1B

340

Net Interest Margin

profitability

Value: 4.71%

Peer Median: 3.93%

#340 of 2664 Top 12.7% in $100M-$1B

520

Loan-to-Deposit Ratio

liquidity

Value: 60.66%

Peer Median: 76.64%

#520 of 2664 Top 19.5% in $100M-$1B

Top Weaknesses (4 metrics)

2367

Total Loans

size

Value: $80.08M

Peer Median: $255.72M

#2367 of 2664 Bottom 11.2% in $100M-$1B

2278

Total Assets

size

Value: $151.16M

Peer Median: $386.08M

#2278 of 2664 Bottom 14.5% in $100M-$1B

2240

Total Deposits

size

Value: $132.02M

Peer Median: $327.97M

#2240 of 2664 Bottom 16.0% in $100M-$1B

2225

Tier 1 Capital Ratio

capital

Value: 10.52%

Peer Median: 15.83%

#2225 of 2664 Bottom 16.5% in $100M-$1B