BlastPoint's Banking Scorecard

Iowa State Bank

$100M-$1B Specialty: Commercial IA FDIC cert 15808

Des Moines, IA

5 branches across IA

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

Iowa State Bank has 3 strengths but faces 3 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 11.0% in tier
+ Credit Quality Leader: Top 21.5% in tier
+ ROA 0.17% above tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 40.3% in tier
- Cost Spiral: Bottom 50.0% in tier
- Net Interest Margin 0.55% 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 ?	$464.3M +0.0% YoY -0.6% QoQ	+$78.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	68%
Total Loans ?	$263.2M -3.3% YoY +0.5% QoQ	+$7.5M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	62%
Total Deposits ?	$378.6M -0.4% YoY -0.5% QoQ	+$50.6M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	67%
Return on Assets ?	1.44% -12.5% YoY -18.3% QoQ	+0.17%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.38% +10.6% YoY +2.3% QoQ	-0.55%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	25%
Efficiency Ratio ?	70.01% +9.2% YoY +10.8% QoQ	+4.72%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.02% -0.8% YoY -2.6% QoQ	-0.87%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	69.53% -2.9% YoY +1.1% QoQ	-7.10%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	22.17% -5.0% YoY -4.6% QoQ	+0.15%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	55%
Nonperforming Asset Ratio ?	0.01% -4.1% YoY -1.5% QoQ	-0.63%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 13.9% in tier
Tier 1 Capital Ratio ?	15.54% -1.9% YoY +0.5% QoQ	-0.29%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	69%
Non-Interest Income / Assets ?	0.46% +9.8% YoY -73.2% QoQ	+0.18%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 3.7% 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 (2)

Revenue Diversifier

growth

#74 of 666 • Top 11.0% 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: 0.46%

(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

Credit Quality Leader

growth

#144 of 664 • Top 21.5% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.02%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (2)

Margin Compression

decline

#124 of 305 • Bottom 40.3% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.44%

(Tier: 1.27%, National: 1.23%)

better than tier avg

305 of 305 Community banks match · 407 nationally

↑ Growing +94 banks QoQ

Cost Spiral

risk

#64 of 126 • Bottom 50.0% in tier

Historically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.

Why this signature

Efficiency Ratio: 70.01%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

126 of 126 Community banks match · 176 nationally

↑ Growing +82 banks QoQ

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 (3 metrics)

100

Non-Interest Income / Assets

revenue_mix

Value: 0.46%

Peer Median: 0.28%

#100 of 2664 Top 3.7% in $100M-$1B

371

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#371 of 2664 Top 13.9% in $100M-$1B

410

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#410 of 2654 Top 15.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available