BlastPoint's Banking Scorecard

First Iowa State Bank

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

Albia, IA

6 branches across IA

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

First Iowa State Bank has 3 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 0.51% above tier average
+ Net Interest Margin 0.55% above tier average
+ Efficiency Ratio 16.14% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 6.6% in tier
- Capital Thin: Bottom 31.8% in tier
- Margin Compression: Bottom 56.1% in tier
- Delinquency Rate 1.26% above tier average

Get updates when First Iowa State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$404.3M +4.8% YoY +6.3% QoQ	+$18.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$286.7M +10.6% YoY +3.1% QoQ	+$31.0M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$369.0M +7.6% YoY +8.4% QoQ	+$41.0M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	66%
Return on Assets ?	1.78% -17.6% YoY -3.4% QoQ	+0.51%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	4.48% +2.2% YoY -4.2% QoQ	+0.55%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	49.15% +0.2% YoY +0.7% QoQ	-16.14%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 14.6% in tier
Delinquency Rate ?	2.15% +382.7% YoY +32.5% QoQ	+1.26%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Bottom 11.2% in tier
Loan-to-Deposit Ratio ?	77.69% +2.7% YoY -4.9% QoQ	+1.06%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	51%
Non-Interest-Bearing Deposit Share ?	11.36% -30.1% YoY +6.8% QoQ	-10.66%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 13.6% in tier
Nonperforming Asset Ratio ?	1.52% +409.4% YoY +28.5% QoQ	+0.89%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 11.3% in tier
Tier 1 Capital Ratio ?	9.77% -2.2% YoY +1.7% QoQ	-6.06%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 6.8% in tier
Non-Interest Income / Assets ?	0.08% -22.1% YoY -79.7% QoQ	-0.20%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	36%

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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)

NIB Deposit Bleed

decline

#14 of 198 • Bottom 6.6% 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: 11.36%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ | QoQ rank declining

Capital Thin

risk

#213 of 666 • Bottom 31.8% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.77%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Margin Compression

decline

#172 of 305 • Bottom 56.1% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.78%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

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 (3 metrics)

389

Efficiency Ratio

profitability

Value: 49.15%

Peer Median: 65.29%

#389 of 2664 Top 14.6% in $100M-$1B

498

Net Interest Margin

profitability

Value: 4.48%

Peer Median: 3.93%

#498 of 2664 Top 18.7% in $100M-$1B

514

Return on Assets

profitability

Value: 1.78%

Peer Median: 1.27%

#514 of 2664 Top 19.3% in $100M-$1B

Top Weaknesses (4 metrics)

2485

Tier 1 Capital Ratio

capital

Value: 9.77%

Peer Median: 15.83%

#2485 of 2664 Bottom 6.8% in $100M-$1B

2359

Delinquency Rate

credit_quality

Value: 2.15%

Peer Median: 0.89%

#2359 of 2654 Bottom 11.2% in $100M-$1B

2365

Nonperforming Asset Ratio

credit_quality

Value: 1.52%

Peer Median: 0.64%

#2365 of 2664 Bottom 11.3% in $100M-$1B

2303

Non-Interest-Bearing Deposit Share

funding

Value: 11.36%

Peer Median: 22.02%

#2303 of 2664 Bottom 13.6% in $100M-$1B