BlastPoint's Banking Scorecard
First National Bank, Ames, Iowa
Designations: ✓ Community bank
Ames, IA
10 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits +4.0% year over year ($955.6M on the books).
- Delinquency rate 1.43%.
- Return on assets 1.23%.
- Efficiency ratio 55.23% vs a 59.73% peer average.
- Loan-to-deposit ratio 68.32% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First National Bank, Ames, Iowa has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.49% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.16% below tier average
- - Net Interest Margin 0.90% below tier average
- - Delinquency Rate 0.56% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+4.7% YoY
+1.8% QoQ
|
-$1.7B |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 11.0% in tier |
| Total Loans ? |
$652.9M
-2.2% YoY
-1.9% QoQ
|
-$1.3B |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.1% in tier |
| Total Deposits ? |
$955.6M
+4.0% YoY
+1.7% QoQ
|
-$1.4B |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 12.2% in tier |
| Return on Assets ? |
1.23%
+81.4% YoY
+5.1% QoQ
|
-0.16% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
47% |
| Net Interest Margin ? |
2.97%
+27.4% YoY
+2.8% QoQ
|
-0.90% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 13.9% in tier |
| Efficiency Ratio ? |
55.23%
-16.0% YoY
-3.0% QoQ
|
-4.49% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
62% |
| Delinquency Rate ? |
1.43%
-13.8% YoY
-0.5% QoQ
|
+0.56% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
68.32%
-6.0% YoY
-3.6% QoQ
|
-16.71% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
21.57%
+15.1% YoY
+10.2% QoQ
|
+0.30% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
59% |
| Nonperforming Asset Ratio ? |
0.84%
-19.5% YoY
-4.2% QoQ
|
+0.16% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
14.97%
+7.7% YoY
+2.6% QoQ
|
+0.12% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.32%
-0.4% YoY
+93.4% QoQ
|
-0.21% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
56% |
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 |
21.6%
+2.8pp YoY +2.0pp QoQ |
+0.2pp | 21.4% | 17.8% | 22.2% | 58% |
| Brokered Deposits | 0.1% | -9.4pp | 9.5% | 6.0% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-0.5pp YoY +0.2pp QoQ |
-9.9pp | 14.0% | 12.8% | 12.5% | 14% |
| CRE |
62.2%
-2.8pp YoY -1.2pp QoQ |
+12.2pp | 50.0% | 28.3% | 41.4% | 79% |
| 1-4 Family |
28.8%
+3.4pp YoY +0.7pp QoQ |
+2.4pp | 26.4% | 23.0% | 31.3% | 64% |
| Consumer |
0.7%
-0.2pp YoY 0.0pp QoQ |
-4.0pp | 4.7% | 2.9% | 5.0% | 37% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
15.0%
+1.1pp YoY +0.4pp QoQ |
-0.6pp | 15.6% | 15.4% | 19.7% | 69% |
| Leverage Ratio |
9.9%
+0.2pp YoY 0.0pp QoQ |
-1.4pp | 11.3% | 12.4% | 12.6% | 33% |
| Total Capital Ratio |
16.2%
+1.2pp YoY +0.4pp QoQ |
-0.5pp | 16.7% | 16.5% | 20.8% | 70% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
117
+3 (+2.6%) YoY +1 (+0.9%) QoQ |
-197 | 313 | 64 | 482 | 12% |
| Assets per Employee ($) |
$9.5M
+2.0% YoY +0.9% QoQ |
-$980K | $10.5M | $8.9M | $8.8M | 61% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 5 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.4%
-0.2pp YoY 0.0pp QoQ |
+0.6pp | 0.8% | 1.0% | 1.0% | 84% |
| Allowance Coverage |
0.94x
+24.1% YoY +0.4% QoQ |
-17.77x | 18.71x | 18.97x | 20.23x | 21% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.3% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
13.1%
+5.1pp YoY +0.6pp QoQ |
+0.5pp | 12.6% | 12.8% | 11.6% | 58% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.6pp | 1.9% | 1.8% | 1.7% | 14% |
| Net Income ($, YTD) |
$6.8M
+82.8% YoY — QoQ |
-$12.4M | $19.2M | $4.0M | $40.4M | 22% |
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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.