BlastPoint's Banking Scorecard
Bellevue State Bank
Bellevue, 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 +4.7% year over year ($156.5M on the books).
- Delinquency rate 0.17%.
- Return on assets 2.21%.
- Efficiency ratio 35.96% vs a 64.48% peer average.
- Loan-to-deposit ratio 80.89% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Bellevue State Bank shows strong momentum with 3 strengths and 8.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 24.5% in tier
- + Efficiency Ratio 28.51% below tier average
- + Delinquency Rate 0.75% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$187.7M
+8.6% YoY
+3.7% QoQ
|
-$198.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
23% |
| Total Loans ? |
$126.6M
+8.4% YoY
+2.9% QoQ
|
-$131.7M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
27% |
| Total Deposits ? |
$156.5M
+4.7% YoY
+3.4% QoQ
|
-$170.2M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
23% |
| Return on Assets ? |
2.21%
+19.7% YoY
-2.3% QoQ
|
+0.88% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Top 8.7% in tier |
| Net Interest Margin ? |
4.02%
+17.1% YoY
+2.2% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
54% |
| Efficiency Ratio ? |
35.96%
-19.9% YoY
-5.5% QoQ
|
-28.51% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 1.9% in tier |
| Delinquency Rate ? |
0.17%
-78.3% YoY
-33.6% QoQ
|
-0.75% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
80.89%
+3.5% YoY
-0.5% QoQ
|
+2.94% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
18.92%
-9.4% YoY
+2.7% QoQ
|
-3.11% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.11%
-78.3% YoY
-34.1% QoQ
|
-0.56% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
70% |
| Tier 1 Capital Ratio ? |
14.32%
-0.5% YoY
+2.3% QoQ
|
-1.59% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.12%
-2.1% YoY
+152.2% QoQ
|
-0.45% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
24% |
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 |
18.9%
-2.0pp YoY +0.5pp QoQ |
-3.2pp | 22.1% | 17.8% | 22.2% | 40% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.3%
+3.1pp YoY +3.2pp QoQ |
+3.7pp | 11.6% | 12.8% | 12.5% | 77% |
| CRE |
17.7%
+1.2pp YoY -0.4pp QoQ |
-21.9pp | 39.5% | 28.3% | 41.4% | 14% |
| 1-4 Family |
23.0%
-4.6pp YoY -1.0pp QoQ |
-9.7pp | 32.6% | 23.0% | 31.3% | 36% |
| Consumer |
3.3%
-1.5pp YoY -0.2pp QoQ |
-0.8pp | 4.1% | 2.9% | 5.0% | 64% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
14.3%
-0.1pp YoY +0.3pp QoQ |
+2.1pp | 12.2% | 12.4% | 12.6% | 83% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
14
0 YoY -1 (-6.7%) QoQ |
-45 | 58 | 64 | 482 | 3% |
| Assets per Employee ($) |
$13.4M
+8.6% YoY +11.1% QoQ |
+$5.9M | $7.5M | $8.9M | $8.8M | 95% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.6pp YoY -0.1pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 27% |
| Allowance Coverage |
7.41x
+310.9% YoY +46.4% QoQ |
-16.74x | 24.15x | 18.97x | 20.23x | 78% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 25% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.7%
+1.9pp YoY -0.6pp QoQ |
+4.5pp | 12.2% | 12.8% | 11.6% | 76% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$2.0M
+29.8% YoY — QoQ |
-$506K | $2.6M | $4.0M | $40.4M | 53% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.