BlastPoint

BlastPoint's Banking Scorecard

Cedar Valley Bank & Trust

$100M-$1B Specialty: Agricultural IA FDIC cert 14694

La Porte City, IA

2 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 +19.5% year over year ($114.5M on the books).
  • Delinquency rate 1.28%.
  • Return on assets 1.40%.
  • Efficiency ratio 65.55% vs a 64.48% peer average.
  • Loan-to-deposit ratio 97.96% 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) →

Cedar Valley Bank & Trust has 2 strengths but faces 4 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

  • + ROA 0.08% above tier average
  • + Net Interest Margin 0.40% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 9.1% in tier
  • - Liquidity Strain: Bottom 26.3% in tier
  • - NIB Deposit Bleed: Bottom 58.0% in tier
  • - Efficiency Ratio 1.07% above tier average
Get updates when Cedar Valley Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $126.3M
+5.1% YoY +2.5% QoQ
-$260.3M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Bottom 7.4% in tier
Total Loans ? $112.1M
+1.2% YoY +0.2% QoQ
-$146.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
23%
Total Deposits ? $114.5M
+19.5% YoY +2.4% QoQ
-$212.3M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Bottom 10.1% in tier
Return on Assets ? 1.40%
+6.4% YoY +14.5% QoQ
+0.08% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
59%
Net Interest Margin ? 4.38%
+7.3% YoY -1.7% QoQ
+0.40% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
74%
Efficiency Ratio ? 65.55%
+1.4% YoY -5.0% QoQ
+1.07% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
41%
Delinquency Rate ? 1.28%
+26.1% YoY -23.5% QoQ
+0.36% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
23%
Loan-to-Deposit Ratio ? 97.96%
-15.3% YoY -2.2% QoQ
+20.01% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 12.5% in tier
Non-Interest-Bearing Deposit Share ? 18.31%
-15.5% YoY -5.8% QoQ
-3.72% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
37%
Nonperforming Asset Ratio ? 1.53%
+53.5% YoY +0.9% QoQ
+0.87% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 11.6% in tier
Tier 1 Capital Ratio ? 12.72%
+7.9% YoY +4.8% QoQ
-3.19% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
44%
Non-Interest Income / Assets ? 0.10%
+72.4% YoY +165.2% QoQ
-0.47% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
18%

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 18.3%
-3.4pp YoY
-1.1pp QoQ
 -3.8pp 22.1% 17.8% 22.2% 37%
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 6.7%
-1.6pp YoY
-0.6pp QoQ
 -4.9pp 11.6% 12.8% 12.5% 31%
CRE n/a n/a 39.5% 28.3% 41.4% n/a
1-4 Family 49.0%
+2.7pp YoY
+0.6pp QoQ
 +16.3pp 32.6% 23.0% 31.3% 81%
Consumer 3.3%
-0.5pp YoY
0.0pp 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 12.7%
+0.9pp YoY
+0.6pp QoQ
 -6.1pp 18.8% 15.4% 19.7% 24%
Leverage Ratio 9.0%
+0.4pp YoY
+0.1pp QoQ
 -3.2pp 12.2% 12.4% 12.6% 12%
Total Capital Ratio 13.7%
+1.0pp YoY
+0.6pp QoQ
 -6.3pp 19.9% 16.5% 20.8% 23%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 18
+4 (+28.6%) YoY
0 QoQ
 -41 58 64 482 8%
Assets per Employee ($) $7.0M
-18.3% YoY
+2.5% QoQ
 -$504K $7.5M $8.9M $8.8M 52%
Branch Count 2
0 YoY
0 QoQ
 -3 4 5 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.7%
-0.3pp YoY
-0.2pp QoQ
 +0.4pp 0.3% 0.4% 0.4% 88%
Nonaccrual 0.5%
-0.2pp QoQ
 -0.4pp 0.9% 1.0% 1.0% 54%
Allowance Coverage 0.59x
-10.8% YoY
+32.3% QoQ
 -23.56x 24.15x 18.97x 20.23x 13%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 71%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 15.7%
-0.1pp YoY
+2.0pp QoQ
 +3.5pp 12.2% 12.8% 11.6% 71%
Cost of Funds (YTD) 1.5%
-0.2pp YoY
+0.1pp QoQ
 -0.2pp 1.7% 1.8% 1.7% 37%
Net Income ($, YTD) $868,000
+9.3% YoY
— QoQ
 -$1.7M $2.6M $4.0M $40.4M 22%

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 (3)

Credit Risk Growth

risk
#86 of 936 • Bottom 9.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#183 of 691 • Bottom 26.3% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 97.96%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline
#95 of 162 • Bottom 58.0% 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: 18.31%
(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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2448
Total Assets
size
Value: $126.25M
Peer Median: $386.57M
#2448 of 2643 Bottom 7.4% in $100M-$1B
2377
Total Deposits
size
Value: $114.47M
Peer Median: $326.73M
#2377 of 2643 Bottom 10.1% in $100M-$1B
2338
Nonperforming Asset Ratio
credit_quality
Value: 1.53%
Peer Median: 0.67%
#2338 of 2643 Bottom 11.6% in $100M-$1B
2314
Loan-to-Deposit Ratio
liquidity
Value: 97.96%
Peer Median: 77.95%
#2314 of 2643 Bottom 12.5% in $100M-$1B
2165
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2165 of 2643 Bottom 18.1% in $100M-$1B
2039
Delinquency Rate
credit_quality
Value: 1.28%
Peer Median: 0.92%
#2039 of 2633 Bottom 22.6% in $100M-$1B
2042
Total Loans
size
Value: $112.14M
Peer Median: $258.35M
#2042 of 2643 Bottom 22.8% in $100M-$1B
Powered by BlastPoint © 2026