BlastPoint's Banking Scorecard

Iowa State Bank and Trust Company of Fairfield, Iowa

$100M-$1B Specialty: Agricultural IA FDIC cert 14413

Fairfield, IA

3 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 +17.4% year over year ($300.9M on the books).
Delinquency rate 0.10%.
Return on assets 1.24%.
Efficiency ratio 52.56% vs a 64.48% peer average.
Loan-to-deposit ratio 83.31% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Iowa State Bank and Trust Company of Fairfield, Iowa has 2 strengths but faces 5 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

+ Efficiency Ratio 11.92% below tier average
+ Delinquency Rate 0.82% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 8.2% in tier
- NIB Deposit Bleed: Bottom 19.8% in tier
- Non-Interest Income / Assets 0.50% below tier average
- ROA 0.08% below tier average
- Net Interest Margin 0.39% below tier average

Get updates when Iowa State Bank and Trust Company of Fairfield, Iowa releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$352.1M +16.3% YoY +8.2% QoQ	-$34.5M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	54%
Total Loans ?	$250.7M +12.9% YoY +2.5% QoQ	-$7.7M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	59%
Total Deposits ?	$300.9M +17.4% YoY +11.1% QoQ	-$25.8M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	55%
Return on Assets ?	1.24% +42.7% YoY +3.0% QoQ	-0.08%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	50%
Net Interest Margin ?	3.59% +11.2% YoY -1.2% QoQ	-0.39%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	32%
Efficiency Ratio ?	52.56% -14.0% YoY -3.7% QoQ	-11.92%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	78%
Delinquency Rate ?	0.10% +31.8% YoY -4.0% QoQ	-0.82%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	75%
Loan-to-Deposit Ratio ?	83.31% -3.8% YoY -7.8% QoQ	+5.36%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	42%
Non-Interest-Bearing Deposit Share ?	14.85% -38.4% YoY -13.3% QoQ	-7.18%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	24%
Nonperforming Asset Ratio ?	0.07% +27.9% YoY -9.1% QoQ	-0.60%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	10.90% +2.0% YoY +1.0% QoQ	-5.01%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.07% -13.0% YoY +96.7% QoQ	-0.50%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Bottom 10.0% in tier

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	14.9% -9.3pp YoY -2.3pp QoQ	-7.3pp	22.1%	17.8%	22.2%	23%
Brokered Deposits	2.1% -2.5pp YoY -0.2pp QoQ	-5.8pp	7.9%	6.0%	8.5%	30%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	12.4% +1.1pp YoY +0.1pp QoQ	+0.8pp	11.6%	12.8%	12.5%	65%
CRE	19.5% +0.2pp YoY -1.1pp QoQ	-20.0pp	39.5%	28.3%	41.4%	17%
1-4 Family	20.0% -1.9pp YoY -0.2pp QoQ	-12.6pp	32.6%	23.0%	31.3%	30%
Consumer	1.0% -0.3pp YoY -0.1pp QoQ	-3.1pp	4.1%	2.9%	5.0%	28%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.9% +0.2pp YoY +0.1pp QoQ	-7.9pp	18.8%	15.4%	19.7%	7%
Leverage Ratio	8.0% 0.0pp YoY -0.2pp QoQ	-4.2pp	12.2%	12.4%	12.6%	2%
Total Capital Ratio	12.0% +0.3pp YoY +0.1pp QoQ	-8.0pp	19.9%	16.5%	20.8%	7%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	33 0 YoY -1 (-2.9%) QoQ	-26	58	64	482	31%
Assets per Employee ($)	$10.7M +16.3% YoY +11.5% QoQ	+$3.2M	$7.5M	$8.9M	$8.8M	89%
Branch Count	3 0 YoY 0 QoQ	-2	4	5	18	26%

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	0.1% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	17%
Allowance Coverage	11.15x -16.7% YoY +5.4% QoQ	-13.01x	24.15x	18.97x	20.23x	83%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY	-0.1pp	0.1%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.6% +4.3pp YoY +0.6pp QoQ	+3.4pp	12.2%	12.8%	11.6%	70%
Cost of Funds (YTD)	2.5% -0.3pp YoY +0.1pp QoQ	+0.8pp	1.7%	1.8%	1.7%	90%
Net Income ($, YTD)	$2.1M +68.9% YoY — QoQ	-$469K	$2.6M	$4.0M	$40.4M	54%

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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 (2)

Credit Quality Pressure

risk

#104 of 1256 • Bottom 8.2% in tier

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

Why this signature

Delinquency Rate: 0.10%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#33 of 162 • Bottom 19.8% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 14.85%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 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 2643 peers in $100M-$1B

Top Strengths (2 metrics)

583

Efficiency Ratio

profitability

Value: 52.56%

Peer Median: 64.48%

#583 of 2643 Top 22.0% in $100M-$1B

640

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#640 of 2643 Top 24.2% in $100M-$1B

Top Weaknesses (3 metrics)

2380

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.57%

#2380 of 2643 Bottom 10.0% in $100M-$1B

2063

Tier 1 Capital Ratio

capital

Value: 10.90%

Peer Median: 15.91%

#2063 of 2643 Bottom 22.0% in $100M-$1B

2013

Non-Interest-Bearing Deposit Share

funding

Value: 14.85%

Peer Median: 22.03%

#2013 of 2643 Bottom 23.9% in $100M-$1B