BlastPoint's Banking Scorecard

First Iowa State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14930

Albia, IA

6 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 +8.4% year over year ($359.0M on the books).
Delinquency rate 2.16%.
Return on assets 2.03%.
Efficiency ratio 46.63% vs a 64.48% peer average.
Loan-to-deposit ratio 80.22% 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) →

First Iowa State Bank has 3 strengths but faces 1 concern

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

+ Profitability Leader: Top 48.0% in tier
+ Net Interest Margin 0.75% above tier average
+ Efficiency Ratio 17.85% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 1.24% above tier average

Get updates when First Iowa State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$396.1M +7.2% YoY -2.0% QoQ	+$9.5M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$288.0M +8.6% YoY +0.5% QoQ	+$29.6M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	65%
Total Deposits ?	$359.0M +8.4% YoY -2.7% QoQ	+$32.2M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	64%
Return on Assets ?	2.03% +11.8% YoY +14.3% QoQ	+0.71%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 12.6% in tier
Net Interest Margin ?	4.73% +5.0% YoY +5.6% QoQ	+0.75%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Top 13.4% in tier
Efficiency Ratio ?	46.63% -6.5% YoY -5.1% QoQ	-17.85%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 11.1% in tier
Delinquency Rate ?	2.16% -3.3% YoY +0.3% QoQ	+1.24%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Bottom 11.4% in tier
Loan-to-Deposit Ratio ?	80.22% +0.2% YoY +3.3% QoQ	+2.27%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	49%
Non-Interest-Bearing Deposit Share ?	14.21% +28.4% YoY +25.1% QoQ	-7.82%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	1.57% -2.1% YoY +2.8% QoQ	+0.90%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 11.4% in tier
Tier 1 Capital Ratio ?	10.20% -1.6% YoY +4.4% QoQ	-5.71%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	Bottom 13.0% in tier
Non-Interest Income / Assets ?	0.16% -17.5% YoY +116.5% QoQ	-0.40%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	39%

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	14.2% +3.1pp YoY +2.8pp QoQ	-7.9pp	22.1%	17.8%	22.2%	21%
Brokered Deposits	5.6% -2.0pp YoY -2.6pp QoQ	-2.3pp	7.9%	6.0%	8.5%	56%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.3% -1.7pp YoY -0.8pp QoQ	-1.2pp	11.6%	12.8%	12.5%	54%
CRE	13.8% +0.4pp YoY -0.1pp QoQ	-25.7pp	39.5%	28.3%	41.4%	9%
1-4 Family	28.5% +0.8pp YoY +0.4pp QoQ	-4.1pp	32.6%	23.0%	31.3%	48%
Consumer	1.0% -0.2pp YoY 0.0pp QoQ	-3.2pp	4.1%	2.9%	5.0%	27%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.4%	19.7%	n/a
Leverage Ratio	10.2% -0.2pp YoY +0.4pp QoQ	-2.0pp	12.2%	12.4%	12.6%	36%
Total Capital Ratio	n/a	n/a	19.9%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	52 +2 (+4.0%) YoY +3 (+6.1%) QoQ	-7	58	64	482	56%
Assets per Employee ($)	$7.6M +3.1% YoY -7.7% QoQ	+$99K	$7.5M	$8.9M	$8.8M	63%
Branch Count	6 0 YoY 0 QoQ	+1	4	5	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.7pp YoY +0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	45%
Nonaccrual	2.1% +0.6pp YoY -0.1pp QoQ	+1.1pp	0.9%	1.0%	1.0%	88%
Allowance Coverage	0.83x +15.0% YoY +9.0% QoQ	-23.33x	24.15x	18.97x	20.23x	21%
Net Charge-off Rate (YTD)	0.7% +0.6pp YoY -0.7pp 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	24.5% +0.6pp YoY +2.5pp QoQ	+12.3pp	12.2%	12.8%	11.6%	96%
Cost of Funds (YTD)	1.3% -0.2pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	26%
Net Income ($, YTD)	$4.0M +17.7% YoY — QoQ	+$1.4M	$2.6M	$4.0M	$40.4M	80%

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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 (1)

Profitability Leader

growth

#318 of 661 • Top 48.0% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.03%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Concerns (0)

No matched concern signatures this quarter

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 2643 peers in $100M-$1B

Top Strengths (3 metrics)

294

Efficiency Ratio

profitability

Value: 46.63%

Peer Median: 64.48%

#294 of 2643 Top 11.1% in $100M-$1B

333

Return on Assets

profitability

Value: 2.03%

Peer Median: 1.32%

#333 of 2643 Top 12.6% in $100M-$1B

354

Net Interest Margin

profitability

Value: 4.73%

Peer Median: 3.99%

#354 of 2643 Top 13.4% in $100M-$1B

Top Weaknesses (4 metrics)

2344

Nonperforming Asset Ratio

credit_quality

Value: 1.57%

Peer Median: 0.67%

#2344 of 2643 Bottom 11.4% in $100M-$1B

2335

Delinquency Rate

credit_quality

Value: 2.16%

Peer Median: 0.92%

#2335 of 2633 Bottom 11.4% in $100M-$1B

2301

Tier 1 Capital Ratio

capital

Value: 10.20%

Peer Median: 15.91%

#2301 of 2643 Bottom 13.0% in $100M-$1B

2081

Non-Interest-Bearing Deposit Share

funding

Value: 14.21%

Peer Median: 22.03%

#2081 of 2643 Bottom 21.3% in $100M-$1B