BlastPoint's Banking Scorecard

Twin Cedars Bank

$100M-$1B Specialty: Commercial IA FDIC cert 1556

Bussey, IA

4 branches across IA

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

Twin Cedars Bank has 1 strength but faces 5 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

+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.6% in tier
- Return on Assets 1.61% below tier average
- Delinquency Rate 3.37% above tier average
- Nonperforming Asset Ratio 2.82% above tier average
- Efficiency Ratio 14.36% above tier average

Get updates when Twin Cedars 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 ?	$117.2M +4.7% YoY -3.9% QoQ	-$268.9M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 5.1% in tier
Total Loans ?	$95.0M +5.4% YoY -2.4% QoQ	-$160.8M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$102.7M +7.3% YoY -2.5% QoQ	-$225.2M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 6.6% in tier
Return on Assets ?	-0.34% -158.8% YoY -210.6% QoQ	-1.61%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Bottom 2.1% in tier
Net Interest Margin ?	4.04% -7.7% YoY -9.6% QoQ	+0.10%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	59%
Efficiency Ratio ?	79.64% +15.1% YoY +14.7% QoQ	+14.36%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	16%
Delinquency Rate ?	4.26% +301.6% YoY +110.9% QoQ	+3.37%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Bottom 3.0% in tier
Loan-to-Deposit Ratio ?	92.44% -1.8% YoY +0.1% QoQ	+15.81%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	20%
Non-Interest-Bearing Deposit Share ?	12.65% -6.1% YoY -0.3% QoQ	-9.37%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	3.46% +304.9% YoY +113.9% QoQ	+2.82%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 2.0% in tier
Tier 1 Capital Ratio ?	13.55% +0.8% YoY +2.4% QoQ	-2.28%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	53%
Non-Interest Income / Assets ?	0.04% -31.6% YoY -75.3% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 14.5% 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 (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk

#172 of 643 • Bottom 26.6% 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: 92.44%

(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 (0 metrics)

No strength rankings available

Top Weaknesses (10 metrics)

2611

Nonperforming Asset Ratio

credit_quality

Value: 3.46%

Peer Median: 0.64%

#2611 of 2664 Bottom 2.0% in $100M-$1B

2609

Return on Assets

profitability

Value: -0.34%

Peer Median: 1.27%

#2609 of 2664 Bottom 2.1% in $100M-$1B

2576

Delinquency Rate

credit_quality

Value: 4.26%

Peer Median: 0.89%

#2576 of 2654 Bottom 3.0% in $100M-$1B

2528

Total Assets

size

Value: $117.22M

Peer Median: $386.08M

#2528 of 2664 Bottom 5.1% in $100M-$1B

2488

Total Deposits

size

Value: $102.72M

Peer Median: $327.97M

#2488 of 2664 Bottom 6.6% in $100M-$1B

2278

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2278 of 2664 Bottom 14.5% in $100M-$1B

2245

Efficiency Ratio

profitability

Value: 79.64%

Peer Median: 65.29%

#2245 of 2664 Bottom 15.8% in $100M-$1B

2228

Non-Interest-Bearing Deposit Share

funding

Value: 12.65%

Peer Median: 22.02%

#2228 of 2664 Bottom 16.4% in $100M-$1B

2185

Total Loans

size

Value: $94.96M

Peer Median: $255.72M

#2185 of 2664 Bottom 18.0% in $100M-$1B

2145

Loan-to-Deposit Ratio

liquidity

Value: 92.44%

Peer Median: 76.64%

#2145 of 2664 Bottom 19.5% in $100M-$1B