BlastPoint's Banking Scorecard

Bank Iowa

$1B-$10B Specialty: Agricultural IA FDIC cert 14521

Designations: ✓ Community bank

West Des Moines, IA

25 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits +8.7% year over year ($2.0B on the books).
Delinquency rate 1.40%.
Return on assets 1.30%.
Efficiency ratio 62.15% vs a 59.73% peer average.
Loan-to-deposit ratio 89.91% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

Bank Iowa faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 40.5% in tier
- ROA 0.09% below tier average
- Net Interest Margin 0.16% below tier average
- Efficiency Ratio 2.42% above tier average
- Delinquency Rate 0.53% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$2.3B +5.5% YoY -0.0% QoQ	-$444.6M	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	59%
Total Loans ?	$1.8B +7.1% YoY -0.3% QoQ	-$190.7M	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	61%
Total Deposits ?	$2.0B +8.7% YoY +0.2% QoQ	-$347.5M	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	59%
Return on Assets ?	1.30% +14.6% YoY +4.7% QoQ	-0.09%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	54%
Net Interest Margin ?	3.71% +10.4% YoY +3.3% QoQ	-0.16%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	50%
Efficiency Ratio ?	62.15% -5.8% YoY -1.9% QoQ	+2.42%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	40%
Delinquency Rate ?	1.40% -16.9% YoY -12.6% QoQ	+0.53%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	19%
Loan-to-Deposit Ratio ?	89.91% -1.5% YoY -0.5% QoQ	+4.88%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	41%
Non-Interest-Bearing Deposit Share ?	15.15% -3.4% YoY +1.0% QoQ	-6.12%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	28%
Nonperforming Asset Ratio ?	1.10% -11.8% YoY -8.9% QoQ	+0.43%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	19%
Tier 1 Capital Ratio ?	10.87% +2.3% YoY +3.6% QoQ	-3.97%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.23% +16.7% YoY +109.1% QoQ	-0.30%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	37%

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	15.2% -0.5pp YoY +0.2pp QoQ	-6.2pp	21.4%	17.8%	22.2%	28%
Brokered Deposits	5.5% -3.8pp YoY -2.6pp QoQ	-4.0pp	9.5%	6.0%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.0% +1.7pp YoY +1.3pp QoQ	-4.0pp	14.0%	12.8%	12.5%	44%
CRE	46.6% -0.1pp YoY -0.4pp QoQ	-3.5pp	50.0%	28.3%	41.4%	40%
1-4 Family	14.1% -0.5pp YoY +0.1pp QoQ	-12.3pp	26.4%	23.0%	31.3%	28%
Consumer	0.5% -0.1pp YoY 0.0pp QoQ	-4.2pp	4.7%	2.9%	5.0%	33%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.9% +0.2pp YoY +0.4pp QoQ	-4.7pp	15.6%	15.4%	19.7%	8%
Leverage Ratio	8.9% 0.0pp YoY +0.1pp QoQ	-2.4pp	11.3%	12.4%	12.6%	10%
Total Capital Ratio	12.1% +0.3pp YoY +0.4pp QoQ	-4.6pp	16.7%	16.5%	20.8%	10%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	281 +6 (+2.2%) YoY -2 (-0.7%) QoQ	-33	313	64	482	62%
Assets per Employee ($)	$8.4M +3.2% YoY +0.7% QoQ	-$2.1M	$10.5M	$8.9M	$8.8M	46%
Branch Count	25 0 YoY 0 QoQ	+5	20	5	18	75%

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	-0.1pp	0.2%	0.4%	0.4%	52%
Nonaccrual	1.4% -0.3pp YoY -0.2pp QoQ	+0.5pp	0.8%	1.0%	1.0%	83%
Allowance Coverage	0.98x +20.9% YoY +16.9% QoQ	-17.73x	18.71x	18.97x	20.23x	23%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	61%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.7% +0.6pp YoY +0.4pp QoQ	+3.1pp	12.6%	12.8%	11.6%	77%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.1pp	1.9%	1.8%	1.7%	59%
Net Income ($, YTD)	$15.4M +24.7% YoY — QoQ	-$3.8M	$19.2M	$4.0M	$40.4M	61%

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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 (1)

Capital Thin

risk

#91 of 222 • Bottom 40.5% 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: 10.87%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (3 metrics)

743

Tier 1 Capital Ratio

capital

Value: 10.87%

Peer Median: 14.84%

#743 of 885 Bottom 16.2% in $1B-$10B

722

Nonperforming Asset Ratio

credit_quality

Value: 1.10%

Peer Median: 0.67%

#722 of 885 Bottom 18.5% in $1B-$10B

716

Delinquency Rate

credit_quality

Value: 1.40%

Peer Median: 0.87%

#716 of 882 Bottom 18.9% in $1B-$10B