BlastPoint

BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15321

Webster City, IA

8 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 +11.7% year over year ($572.2M on the books).
  • Delinquency rate 0.13%.
  • Return on assets 1.38%.
  • Efficiency ratio 60.12% vs a 64.48% peer average.
  • Loan-to-deposit ratio 86.49% 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 State Bank has 4 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

  • + Revenue Diversifier: Top 22.2% in tier
  • + ROA 0.06% above tier average
  • + Efficiency Ratio 4.35% below tier average
  • + Delinquency Rate 0.79% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 0.76% below tier average
Get updates when First 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 ? $674.3M
+10.8% YoY +7.1% QoQ
+$287.7M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 13.9% in tier
Total Loans ? $494.9M
+4.6% YoY +2.2% QoQ
+$236.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 12.0% in tier
Total Deposits ? $572.2M
+11.7% YoY +8.1% QoQ
+$245.5M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 14.2% in tier
Return on Assets ? 1.38%
+41.5% YoY -3.8% QoQ
+0.06% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
58%
Net Interest Margin ? 3.23%
+7.8% YoY +1.2% QoQ
-0.76% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
17%
Efficiency Ratio ? 60.12%
-15.2% YoY +1.2% QoQ
-4.35% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
57%
Delinquency Rate ? 0.13%
-50.4% YoY +68.4% QoQ
-0.79% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
72%
Loan-to-Deposit Ratio ? 86.49%
-6.4% YoY -5.5% QoQ
+8.54% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
34%
Non-Interest-Bearing Deposit Share ? 24.24%
+63.4% YoY +36.1% QoQ
+2.21% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
63%
Nonperforming Asset Ratio ? 0.09%
-53.1% YoY +60.7% QoQ
-0.58% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
72%
Tier 1 Capital Ratio ? 12.40%
-0.1% YoY -1.8% QoQ
-3.50% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
40%
Non-Interest Income / Assets ? 0.70%
+4.5% YoY +74.3% QoQ
+0.14% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 5.6% in tier

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 24.2%
+9.4pp YoY
+6.4pp QoQ
 +2.1pp 22.1% 17.8% 22.2% 63%
Brokered Deposits 2.1%
-0.6pp YoY
-0.2pp QoQ
 -5.8pp 7.9% 6.0% 8.5% 31%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 8.9%
-0.5pp YoY
+0.1pp QoQ
 -2.7pp 11.6% 12.8% 12.5% 46%
CRE 17.1%
+0.2pp YoY
+0.3pp QoQ
 -22.4pp 39.5% 28.3% 41.4% 14%
1-4 Family 17.9%
+0.2pp YoY
+1.0pp QoQ
 -14.7pp 32.6% 23.0% 31.3% 26%
Consumer 0.4%
-0.1pp YoY
0.0pp QoQ
 -3.7pp 4.1% 2.9% 5.0% 14%

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 12.4%
0.0pp YoY
-0.2pp QoQ
 +0.2pp 12.2% 12.4% 12.6% 69%
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 118
-4 (-3.3%) YoY
-1 (-0.8%) QoQ
 +59 58 64 482 92%
Assets per Employee ($) $5.7M
+14.6% YoY
+8.0% QoQ
 -$1.8M $7.5M $8.9M $8.8M 27%
Branch Count 8
0 YoY
0 QoQ
 +3 4 5 18 82%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
-0.2pp YoY
+0.1pp QoQ
 -0.2pp 0.3% 0.4% 0.4% 45%
Nonaccrual 0.1%
0.0pp QoQ
 -0.9pp 0.9% 1.0% 1.0% 12%
Allowance Coverage 8.53x
+89.7% YoY
-41.9% QoQ
 -15.63x 24.15x 18.97x 20.23x 80%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 11.4%
+3.2pp YoY
-0.2pp QoQ
 -0.8pp 12.2% 12.8% 11.6% 46%
Cost of Funds (YTD) 2.0%
-0.2pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.8% 1.7% 72%
Net Income ($, YTD) $4.5M
+52.4% YoY
— QoQ
 +$1.9M $2.6M $4.0M $40.4M 84%

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)

Revenue Diversifier

growth
#148 of 661 • Top 22.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.70%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 1.38%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

150
Non-Interest Income / Assets
revenue_mix
Value: 0.70%
Peer Median: 0.57%
#150 of 2643 Top 5.6% in $100M-$1B
318
Total Loans
size
Value: $494.90M
Peer Median: $258.35M
#318 of 2643 Top 12.0% in $100M-$1B
369
Total Assets
size
Value: $674.29M
Peer Median: $386.57M
#369 of 2643 Top 13.9% in $100M-$1B
377
Total Deposits
size
Value: $572.19M
Peer Median: $326.73M
#377 of 2643 Top 14.2% in $100M-$1B

Top Weaknesses (1 metrics)

2196
Net Interest Margin
profitability
Value: 3.23%
Peer Median: 3.99%
#2196 of 2643 Bottom 17.0% in $100M-$1B
Powered by BlastPoint © 2026