BlastPoint's Banking Scorecard
Home State Bank
Jefferson, 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 +8.5% year over year ($436.9M on the books).
- Delinquency rate 2.27%.
- Return on assets -0.27%.
- Efficiency ratio 62.00% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.61% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Home State Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 2.48% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.60% below tier average
- - Nonperforming Asset Ratio 1.15% above tier average
- - Net Interest Margin 0.32% below tier average
- - Delinquency Rate 1.35% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$480.7M
+8.5% YoY
-1.0% QoQ
|
+$94.2M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$378.4M
+8.1% YoY
+0.6% QoQ
|
+$120.1M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$436.9M
+8.5% YoY
-1.2% QoQ
|
+$110.2M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
-0.27%
-122.4% YoY
+78.5% QoQ
|
-1.60% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 2.3% in tier |
| Net Interest Margin ? |
3.67%
-2.5% YoY
-0.5% QoQ
|
-0.32% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
35% |
| Efficiency Ratio ? |
62.00%
-6.3% YoY
+3.1% QoQ
|
-2.48% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
51% |
| Delinquency Rate ? |
2.27%
-14.3% QoQ
|
+1.35% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 10.6% in tier |
| Loan-to-Deposit Ratio ? |
86.61%
-0.4% YoY
+1.8% QoQ
|
+8.65% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
19.97%
-7.6% YoY
+1.5% QoQ
|
-2.06% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
46% |
| Nonperforming Asset Ratio ? |
1.81%
-19.8% QoQ
|
+1.15% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 8.9% in tier |
| Tier 1 Capital Ratio ? |
10.04%
-3.5% YoY
-0.9% QoQ
|
-5.87% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.4% in tier |
| Non-Interest Income / Assets ? |
0.35%
+8.4% YoY
+90.6% QoQ
|
-0.21% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
80% |
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 |
20.0%
-1.6pp YoY +0.3pp QoQ |
-2.2pp | 22.1% | 17.8% | 22.2% | 45% |
| Brokered Deposits |
19.6%
+3.1pp YoY +0.5pp QoQ |
+11.8pp | 7.9% | 6.0% | 8.5% | 90% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
17.4%
-3.0pp YoY -1.5pp QoQ |
+5.8pp | 11.6% | 12.8% | 12.5% | 83% |
| CRE |
55.9%
+5.6pp YoY +1.9pp QoQ |
+16.3pp | 39.5% | 28.3% | 41.4% | 80% |
| 1-4 Family |
4.2%
-0.6pp YoY -0.3pp QoQ |
-28.4pp | 32.6% | 23.0% | 31.3% | 4% |
| Consumer |
0.6%
-0.4pp YoY -0.2pp QoQ |
-3.5pp | 4.1% | 2.9% | 5.0% | 18% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
10.0%
-0.4pp YoY -0.1pp QoQ |
-8.8pp | 18.8% | 15.4% | 19.7% | 2% |
| Leverage Ratio |
8.9%
-0.4pp YoY -0.2pp QoQ |
-3.3pp | 12.2% | 12.4% | 12.6% | 11% |
| Total Capital Ratio |
11.3%
-0.3pp YoY -0.1pp QoQ |
-8.6pp | 19.9% | 16.5% | 20.8% | 3% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
58
0 YoY -1 (-1.7%) QoQ |
-1 | 58 | 64 | 482 | 61% |
| Assets per Employee ($) |
$8.3M
+8.5% YoY +0.7% QoQ |
+$770K | $7.5M | $8.9M | $8.8M | 71% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
2.3%
+0.4pp QoQ |
+1.3pp | 0.9% | 1.0% | 1.0% | 90% |
| Allowance Coverage |
1.18x
+26.2% QoQ |
-22.97x | 24.15x | 18.97x | 20.23x | 32% |
| Net Charge-off Rate (YTD) |
0.0%
+0.1pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 57% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-3.1%
-17.3pp YoY +11.4pp QoQ |
-15.3pp | 12.2% | 12.8% | 11.6% | 2% |
| Cost of Funds (YTD) |
2.5%
-0.1pp YoY 0.0pp QoQ |
+0.8pp | 1.7% | 1.8% | 1.7% | 90% |
| Net Income ($, YTD) |
$-649000.0
-124.2% YoY — QoQ |
-$3.2M | $2.6M | $4.0M | $40.4M | 2% |
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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.