BlastPoint's Banking Scorecard
Iowa State Bank and Trust Company of Fairfield, Iowa
Fairfield, IA
3 branches across IA
Iowa State Bank and Trust Company of Fairfield, Iowa has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 10.72% below tier average
- + Delinquency Rate 0.79% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.6% in tier
- - NIB Deposit Bleed: Bottom 64.7% in tier
- - ROA 0.06% below tier average
- - Net Interest Margin 0.29% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$325.3M
+16.4% YoY
-1.6% QoQ
|
-$60.8M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
50% |
| Total Loans ? |
$244.6M
+13.9% YoY
+0.5% QoQ
|
-$11.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
58% |
| Total Deposits ? |
$270.9M
+16.3% YoY
-3.0% QoQ
|
-$57.1M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
1.20%
+34.4% YoY
+18.2% QoQ
|
-0.06% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
50% |
| Net Interest Margin ? |
3.64%
+13.5% YoY
+7.5% QoQ
|
-0.29% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
37% |
| Efficiency Ratio ? |
54.56%
-10.5% YoY
-4.6% QoQ
|
-10.72% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
0.10%
+92.1% YoY
+4.2% QoQ
|
-0.79% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
74% |
| Loan-to-Deposit Ratio ? |
90.32%
-2.1% YoY
+3.7% QoQ
|
+13.68% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
17.13%
-14.8% YoY
-3.5% QoQ
|
-4.89% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.08%
+35.8% YoY
+6.4% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
10.80%
+3.0% YoY
-1.9% QoQ
|
-5.03% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.04%
-14.8% YoY
-83.8% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.1% in tier |
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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 (2)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.