BlastPoint's Banking Scorecard
Community Bank
Dunlap, IA
7 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 +3.5% year over year ($122.7M on the books).
- Delinquency rate 0.28%.
- Return on assets 1.27%.
- Efficiency ratio 57.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 77.76% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 6.54% below tier average
- + Delinquency Rate 0.63% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.05% below tier average
- - Net Interest Margin 0.07% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$138.3M
+4.0% YoY
-1.0% QoQ
|
-$248.2M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.6% in tier |
| Total Loans ? |
$95.4M
+8.7% YoY
+2.1% QoQ
|
-$163.0M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
17% |
| Total Deposits ? |
$122.7M
+3.5% YoY
-1.3% QoQ
|
-$204.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.9% in tier |
| Return on Assets ? |
1.27%
-2.3% YoY
+25.4% QoQ
|
-0.05% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
3.92%
+7.5% YoY
+2.8% QoQ
|
-0.07% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
49% |
| Efficiency Ratio ? |
57.94%
-7.3% YoY
-6.9% QoQ
|
-6.54% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
0.28%
-12.2% YoY
-58.9% QoQ
|
-0.63% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
77.76%
+5.1% YoY
+3.4% QoQ
|
-0.19% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
54% |
| Non-Interest-Bearing Deposit Share ? |
19.44%
-5.2% YoY
-8.3% QoQ
|
-2.59% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.20%
-8.2% YoY
-57.6% QoQ
|
-0.47% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
61% |
| Tier 1 Capital Ratio ? |
15.86%
-0.3% YoY
-0.3% QoQ
|
-0.05% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.19%
+1.7% YoY
+111.0% QoQ
|
-0.38% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
46% |
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 |
19.4%
-1.1pp YoY -1.8pp QoQ |
-2.7pp | 22.1% | 17.8% | 22.2% | 42% |
| 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 |
4.6%
-2.3pp YoY -1.9pp QoQ |
-7.0pp | 11.6% | 12.8% | 12.5% | 18% |
| CRE |
9.1%
+1.3pp YoY -1.3pp QoQ |
-30.5pp | 39.5% | 28.3% | 41.4% | 4% |
| 1-4 Family |
28.8%
+5.4pp YoY +2.6pp QoQ |
-3.8pp | 32.6% | 23.0% | 31.3% | 48% |
| Consumer |
4.3%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 4.1% | 2.9% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.9%
-0.1pp YoY -0.1pp QoQ |
-3.0pp | 18.8% | 15.4% | 19.7% | 57% |
| Leverage Ratio |
11.0%
+0.1pp YoY 0.0pp QoQ |
-1.2pp | 12.2% | 12.4% | 12.6% | 50% |
| Total Capital Ratio |
16.7%
0.0pp YoY -0.2pp QoQ |
-3.3pp | 19.9% | 16.5% | 20.8% | 54% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
28
0 YoY +1 (+3.7%) QoQ |
-31 | 58 | 64 | 482 | 24% |
| Assets per Employee ($) |
$4.9M
+4.0% YoY -4.5% QoQ |
-$2.6M | $7.5M | $8.9M | $8.8M | 14% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 5 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
0.0pp YoY +0.3pp QoQ |
0.0pp | 0.3% | 0.4% | 0.4% | 73% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
2.92x
+11.0% YoY +100.6% QoQ |
-21.23x | 24.15x | 18.97x | 20.23x | 57% |
| Net Charge-off Rate (YTD) |
0.7%
+0.5pp QoQ |
+0.6pp | 0.1% | 0.1% | 0.2% | 96% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
-0.9pp YoY +2.3pp QoQ |
-0.3pp | 12.2% | 12.8% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.9%
-0.2pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.8% | 1.7% | 66% |
| Net Income ($, YTD) |
$880,000
+2.3% YoY — QoQ |
-$1.7M | $2.6M | $4.0M | $40.4M | 23% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.