BlastPoint's Banking Scorecard
First National Bank, Ames, Iowa
Designations: ✓ Community bank
Ames, IA
10 branches across IA
First National Bank, Ames, Iowa has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 4.09% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 16.2% in tier
- - ROA 0.19% below tier average
- - Net Interest Margin 0.93% below tier average
- - Delinquency Rate 0.54% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
-2.2% YoY
-1.5% QoQ
|
-$1.7B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.4% in tier |
| Total Loans ? |
$665.8M
-2.5% YoY
-0.8% QoQ
|
-$1.3B |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.2% in tier |
| Total Deposits ? |
$939.3M
-3.3% YoY
-1.4% QoQ
|
-$1.4B |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.4% in tier |
| Return on Assets ? |
1.17%
+188.0% YoY
+28.1% QoQ
|
-0.19% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
46% |
| Net Interest Margin ? |
2.89%
+29.3% YoY
+14.7% QoQ
|
-0.93% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 13.5% in tier |
| Efficiency Ratio ? |
56.97%
-16.9% YoY
-8.1% QoQ
|
-4.09% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
58% |
| Delinquency Rate ? |
1.43%
-20.6% YoY
-1.4% QoQ
|
+0.54% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
70.89%
+0.8% YoY
+0.6% QoQ
|
-13.32% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
19.58%
-5.4% YoY
-4.6% QoQ
|
-1.71% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.87%
-20.9% YoY
-0.7% QoQ
|
+0.20% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
25% |
| Tier 1 Capital Ratio ? |
14.59%
+8.7% YoY
+2.2% QoQ
|
-0.57% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
69% |
| Non-Interest Income / Assets ? |
0.16%
+11.1% YoY
-75.3% QoQ
|
-0.09% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
59% |
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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 (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.