BlastPoint's Banking Scorecard

First State Bank

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

Webster City, IA

9 branches across IA

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

First State Bank has 4 strengths but faces 2 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

+ Revenue Diversifier: Top 13.5% in tier
+ ROA 0.17% above tier average
+ Efficiency Ratio 5.85% below tier average
+ Delinquency Rate 0.81% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 10.9% in tier
- Net Interest Margin 0.74% below 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 ?	$629.6M +6.2% YoY +0.5% QoQ	+$243.5M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	83%
Total Loans ?	$484.4M +1.1% YoY -0.7% QoQ	+$228.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 12.6% in tier
Total Deposits ?	$529.5M +6.1% YoY +1.1% QoQ	+$201.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	82%
Return on Assets ?	1.44% +64.2% YoY +3.4% QoQ	+0.17%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.19% +10.1% YoY +4.6% QoQ	-0.74%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	17%
Efficiency Ratio ?	59.43% -19.3% YoY -4.1% QoQ	-5.85%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	62%
Delinquency Rate ?	0.07% -74.4% YoY -53.5% QoQ	-0.81%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	76%
Loan-to-Deposit Ratio ?	91.49% -4.7% YoY -1.8% QoQ	+14.85%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	17.81% +21.1% YoY +2.7% QoQ	-4.21%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	35%
Nonperforming Asset Ratio ?	0.06% -75.7% YoY -54.0% QoQ	-0.58%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	77%
Tier 1 Capital Ratio ?	12.63% +1.9% YoY +2.5% QoQ	-3.20%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	43%
Non-Interest Income / Assets ?	0.40% +16.4% YoY -76.5% QoQ	+0.12%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 4.4% 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 (1)

Revenue Diversifier

growth

#91 of 666 • Top 13.5% 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: 0.40%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 1.44%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Concerns (1)

Liquidity Strain

risk

#71 of 643 • Bottom 10.9% 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: 91.49%

(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

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 (6 metrics)

118

Non-Interest Income / Assets

revenue_mix

Value: 0.40%

Peer Median: 0.28%

#118 of 2664 Top 4.4% in $100M-$1B

336

Total Loans

size

Value: $484.39M

Peer Median: $255.72M

#336 of 2664 Top 12.6% in $100M-$1B

463

Total Assets

size

Value: $629.63M

Peer Median: $386.08M

#463 of 2664 Top 17.3% in $100M-$1B

478

Total Deposits

size

Value: $529.46M

Peer Median: $327.97M

#478 of 2664 Top 17.9% in $100M-$1B

627

Nonperforming Asset Ratio

credit_quality

Value: 0.06%

Peer Median: 0.64%

#627 of 2664 Top 23.5% in $100M-$1B

625

Delinquency Rate

credit_quality

Value: 0.07%

Peer Median: 0.89%

#625 of 2654 Top 23.5% in $100M-$1B

Top Weaknesses (2 metrics)

2203

Net Interest Margin

profitability

Value: 3.19%

Peer Median: 3.93%

#2203 of 2664 Bottom 17.3% in $100M-$1B

2088

Loan-to-Deposit Ratio

liquidity

Value: 91.49%

Peer Median: 76.64%

#2088 of 2664 Bottom 21.7% in $100M-$1B