BlastPoint's Banking Scorecard
Iowa State Bank
Des Moines, IA
5 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +3.7% year over year ($392.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.76%.
- Efficiency ratio 63.73% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.03% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Iowa State Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 8.8% in tier
- + Delinquency Rate 0.92% below tier average
- + Nonperforming Asset Ratio 0.67% below tier average
- + ROA 0.44% above tier average
- + Efficiency Ratio 0.75% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.58% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$480.5M
+4.2% YoY
+3.5% QoQ
|
+$94.0M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$274.5M
+2.8% YoY
+4.3% QoQ
|
+$16.2M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
63% |
| Total Deposits ? |
$392.0M
+3.7% YoY
+3.5% QoQ
|
+$65.3M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
69% |
| Return on Assets ? |
1.76%
+3.1% YoY
+21.8% QoQ
|
+0.44% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
78% |
| Net Interest Margin ? |
3.41%
+7.0% YoY
+0.9% QoQ
|
-0.58% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
24% |
| Efficiency Ratio ? |
63.73%
-0.3% YoY
-9.0% QoQ
|
-0.75% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
46% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.92% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
70.03%
-0.8% YoY
+0.7% QoQ
|
-7.92% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
23.80%
+1.9% YoY
+7.3% QoQ
|
+1.77% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.67% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 0.1% in tier |
| Tier 1 Capital Ratio ? |
15.92%
+2.4% YoY
+2.4% QoQ
|
+0.01% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.89%
+4.8% YoY
+95.1% QoQ
|
+0.32% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 4.0% in tier |
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 |
23.8%
+0.5pp YoY +1.6pp QoQ |
+1.7pp | 22.1% | 17.8% | 22.2% | 62% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
7.3%
-1.9pp YoY -0.5pp QoQ |
-4.3pp | 11.6% | 12.8% | 12.5% | 34% |
| CRE |
68.1%
+2.2pp YoY +0.2pp QoQ |
+28.6pp | 39.5% | 28.3% | 41.4% | 92% |
| 1-4 Family |
23.8%
+0.4pp YoY +0.4pp QoQ |
-8.8pp | 32.6% | 23.0% | 31.3% | 38% |
| Consumer |
0.2%
-0.1pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 2.9% | 5.0% | 10% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
15.9%
+0.4pp YoY +0.4pp QoQ |
+3.7pp | 12.2% | 12.4% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
88
+1 (+1.1%) YoY -4 (-4.3%) QoQ |
+29 | 58 | 64 | 482 | 82% |
| Assets per Employee ($) |
$5.5M
+3.1% YoY +8.2% QoQ |
-$2.1M | $7.5M | $8.9M | $8.8M | 22% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 5 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 24.15x | 18.97x | 20.23x | n/a |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.9%
0.0pp YoY +2.2pp QoQ |
-0.3pp | 12.2% | 12.8% | 11.6% | 49% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 13% |
| Net Income ($, YTD) |
$4.1M
+4.4% YoY — QoQ |
+$1.6M | $2.6M | $4.0M | $40.4M | 82% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.