BlastPoint's Banking Scorecard

Cedar Valley Bank & Trust

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

La Porte City, IA

2 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Cedar Valley Bank & Trust has 1 strength 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

+ Net Interest Margin 0.53% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 5.0% in tier
- Liquidity Strain: Bottom 30.8% in tier
- NIB Deposit Bleed: Bottom 60.1% in tier
- Efficiency Ratio 3.73% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$123.2M +2.1% YoY +1.5% QoQ	-$262.9M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 6.8% in tier
Total Loans ?	$112.0M +0.8% YoY -0.2% QoQ	-$143.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	23%
Total Deposits ?	$111.8M +14.8% YoY +2.3% QoQ	-$216.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 9.3% in tier
Return on Assets ?	1.23% -1.5% YoY +13.1% QoQ	-0.04%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	4.46% +12.5% YoY +6.8% QoQ	+0.53%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	69.02% +6.2% YoY +0.1% QoQ	+3.73%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	1.67% +14.5% YoY +44.9% QoQ	+0.79%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	16%
Loan-to-Deposit Ratio ?	100.12% -12.2% YoY -2.5% QoQ	+23.48%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 8.3% in tier
Non-Interest-Bearing Deposit Share ?	19.43% -15.3% YoY +3.0% QoQ	-2.59%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	42%
Nonperforming Asset Ratio ?	1.52% +8.0% YoY +42.4% QoQ	+0.88%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 11.4% in tier
Tier 1 Capital Ratio ?	12.14% +7.8% YoY +0.3% QoQ	-3.69%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	37%
Non-Interest Income / Assets ?	0.04% +73.3% YoY -65.1% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 11.9% in tier

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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 (3)

Credit Risk Growth

risk

#50 of 973 • Bottom 5.0% in tier

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

973 of 973 Community banks match · 1464 nationally

→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#199 of 643 • Bottom 30.8% 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: 100.12%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

NIB Deposit Bleed

decline

#120 of 198 • Bottom 60.1% 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: 19.43%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

513

Net Interest Margin

profitability

Value: 4.46%

Peer Median: 3.93%

#513 of 2664 Top 19.2% in $100M-$1B

Top Weaknesses (7 metrics)

2484

Total Assets

size

Value: $123.20M

Peer Median: $386.08M

#2484 of 2664 Bottom 6.8% in $100M-$1B

2443

Loan-to-Deposit Ratio

liquidity

Value: 100.12%

Peer Median: 76.64%

#2443 of 2664 Bottom 8.3% in $100M-$1B

2417

Total Deposits

size

Value: $111.83M

Peer Median: $327.97M

#2417 of 2664 Bottom 9.3% in $100M-$1B

2362

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.64%

#2362 of 2664 Bottom 11.4% in $100M-$1B

2348

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2348 of 2664 Bottom 11.9% in $100M-$1B

2233

Delinquency Rate

credit_quality

Value: 1.67%

Peer Median: 0.89%

#2233 of 2654 Bottom 15.9% in $100M-$1B

2041

Total Loans

size

Value: $111.97M

Peer Median: $255.72M

#2041 of 2664 Bottom 23.4% in $100M-$1B