BlastPoint's Banking Scorecard
Iowa State Bank
Clarksville, IA
3 branches across IA
Iowa State Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 0.9% in tier
- + Efficiency Ratio 33.57% below tier average
- + Net Interest Margin 0.85% above tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.95% above tier average
- - Non-Interest-Bearing Deposit Share 13.38% below tier average
- - Nonperforming Asset Ratio 1.33% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$389.6M
+6.9% YoY
+3.6% QoQ
|
+$3.5M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$269.6M
+6.2% YoY
+2.9% QoQ
|
+$13.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
62% |
| Total Deposits ? |
$337.5M
+4.7% YoY
+2.4% QoQ
|
+$9.5M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
61% |
| Return on Assets ? |
3.10%
+114.2% YoY
+85.4% QoQ
|
+1.83% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 1.8% in tier |
| Net Interest Margin ? |
4.78%
+56.7% YoY
+53.4% QoQ
|
+0.85% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
Top 11.4% in tier |
| Efficiency Ratio ? |
31.72%
-39.4% YoY
-35.2% QoQ
|
-33.57% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 1.2% in tier |
| Delinquency Rate ? |
2.84%
-15.3% YoY
-18.6% QoQ
|
+1.95% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 6.6% in tier |
| Loan-to-Deposit Ratio ? |
79.89%
+1.4% YoY
+0.4% QoQ
|
+3.25% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
8.64%
-11.3% YoY
-7.8% QoQ
|
-13.38% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 8.3% in tier |
| Nonperforming Asset Ratio ? |
1.96%
-15.8% YoY
-19.2% QoQ
|
+1.33% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 7.1% in tier |
| Tier 1 Capital Ratio ? |
14.99%
+5.9% YoY
+2.0% QoQ
|
-0.84% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.04%
-43.0% YoY
-85.3% QoQ
|
-0.24% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 14.3% in tier |
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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)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.