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Iowa State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 15947

Clarksville, IA

3 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 +7.1% year over year ($339.9M on the books).
  • Delinquency rate 2.76%.
  • Return on assets 2.38%.
  • Efficiency ratio 36.78% vs a 64.48% peer average.
  • Loan-to-deposit ratio 76.96% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Iowa State Bank has 2 strengths but faces 4 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

  • + Profitability Leader: Top 7.1% in tier
  • + Efficiency Ratio 27.70% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 1.84% above tier average
  • - Non-Interest-Bearing Deposit Share 13.56% below tier average
  • - Nonperforming Asset Ratio 1.17% above tier average
  • - Net Interest Margin 0.09% below tier average
Get updates when Iowa State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $392.9M
+8.4% YoY +0.8% QoQ
+$6.3M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
60%
Total Loans ? $261.6M
+1.4% YoY -3.0% QoQ
+$3.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
61%
Total Deposits ? $339.9M
+7.1% YoY +0.7% QoQ
+$13.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
61%
Return on Assets ? 2.38%
+37.2% YoY -23.3% QoQ
+1.05% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 6.1% in tier
Net Interest Margin ? 3.90%
+26.4% YoY -18.5% QoQ
-0.09% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
48%
Efficiency Ratio ? 36.78%
-23.5% YoY +16.0% QoQ
-27.70% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
Top 2.2% in tier
Delinquency Rate ? 2.76%
-27.1% YoY -2.6% QoQ
+1.84% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
Bottom 7.2% in tier
Loan-to-Deposit Ratio ? 76.96%
-5.4% YoY -3.7% QoQ
-0.99% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
56%
Non-Interest-Bearing Deposit Share ? 8.47%
-0.7% YoY -2.0% QoQ
-13.56% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
Bottom 7.8% in tier
Nonperforming Asset Ratio ? 1.84%
-31.8% YoY -6.3% QoQ
+1.17% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
Bottom 8.7% in tier
Tier 1 Capital Ratio ? 15.52%
+5.7% YoY +3.6% QoQ
-0.39% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.10%
-18.7% YoY +135.7% QoQ
-0.47% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
17%

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 8.5%
-0.1pp YoY
-0.2pp QoQ
 -13.7pp 22.1% 17.8% 22.2% 7%
Brokered Deposits 3.6%
-0.3pp YoY
-0.3pp QoQ
 -4.2pp 7.9% 6.0% 8.5% 43%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 16.8%
+0.6pp YoY
-0.3pp QoQ
 +5.3pp 11.6% 12.8% 12.5% 82%
CRE 6.7%
+0.1pp YoY
-0.6pp QoQ
 -32.8pp 39.5% 28.3% 41.4% 2%
1-4 Family 9.1%
+0.6pp YoY
+0.1pp QoQ
 -23.5pp 32.6% 23.0% 31.3% 10%
Consumer 1.9%
-0.2pp YoY
+0.1pp QoQ
 -2.2pp 4.1% 2.9% 5.0% 46%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 15.5%
+0.8pp YoY
+0.5pp QoQ
 -3.3pp 18.8% 15.4% 19.7% 54%
Leverage Ratio 11.0%
-0.1pp YoY
-0.1pp QoQ
 -1.1pp 12.2% 12.4% 12.6% 51%
Total Capital Ratio 16.8%
+0.8pp YoY
+0.5pp QoQ
 -3.1pp 19.9% 16.5% 20.8% 56%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 31
-3 (-8.8%) YoY
-1 (-3.1%) QoQ
 -28 58 64 482 28%
Assets per Employee ($) $12.7M
+18.9% YoY
+4.1% QoQ
 +$5.2M $7.5M $8.9M $8.8M 94%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

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 2.8%
-0.5pp YoY
0.0pp QoQ
 +1.8pp 0.9% 1.0% 1.0% 93%
Allowance Coverage 1.35x
+45.4% YoY
+6.2% QoQ
 -22.81x 24.15x 18.97x 20.23x 36%
Net Charge-off Rate (YTD) -1.3%
-0.4pp YoY
+1.2pp QoQ
 -1.4pp 0.1% 0.1% 0.2% 0%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 21.8%
+5.3pp YoY
-6.7pp QoQ
 +9.6pp 12.2% 12.8% 11.6% 92%
Cost of Funds (YTD) 2.9%
-0.1pp YoY
0.0pp QoQ
 +1.2pp 1.7% 1.8% 1.7% 96%
Net Income ($, YTD) $4.6M
+46.0% YoY
— QoQ
 +$2.0M $2.6M $4.0M $40.4M 85%

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 (1)

Profitability Leader

growth
#48 of 661 • Top 7.1% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.38%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

59
Efficiency Ratio
profitability
Value: 36.78%
Peer Median: 64.48%
#59 of 2643 Top 2.2% in $100M-$1B
163
Return on Assets
profitability
Value: 2.38%
Peer Median: 1.32%
#163 of 2643 Top 6.1% in $100M-$1B

Top Weaknesses (4 metrics)

2444
Delinquency Rate
credit_quality
Value: 2.76%
Peer Median: 0.92%
#2444 of 2633 Bottom 7.2% in $100M-$1B
2438
Non-Interest-Bearing Deposit Share
funding
Value: 8.47%
Peer Median: 22.03%
#2438 of 2643 Bottom 7.8% in $100M-$1B
2413
Nonperforming Asset Ratio
credit_quality
Value: 1.84%
Peer Median: 0.67%
#2413 of 2643 Bottom 8.7% in $100M-$1B
2187
Non-Interest Income / Assets
revenue_mix
Value: 0.10%
Peer Median: 0.57%
#2187 of 2643 Bottom 17.3% in $100M-$1B
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