BlastPoint's Banking Scorecard
First State Bank
Stuart, IA
4 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 +6.0% year over year ($114.0M on the books).
- Delinquency rate 0.04%.
- Return on assets 1.15%.
- Efficiency ratio 61.86% vs a 64.48% peer average.
- Loan-to-deposit ratio 47.51% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First State Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 7.0% in tier
- + Efficiency Ratio 2.62% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.0% in tier
- - Margin Compression: Bottom 19.2% in tier
- - Liquidity Overhang: Bottom 47.6% in tier
- - Cost Spiral: Bottom 65.9% in tier
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$129.7M
+6.1% YoY
-0.5% QoQ
|
-$256.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 8.1% in tier |
| Total Loans ? |
$54.1M
-11.0% YoY
+5.3% QoQ
|
-$204.2M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 3.6% in tier |
| Total Deposits ? |
$114.0M
+6.0% YoY
-0.8% QoQ
|
-$212.8M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.8% in tier |
| Return on Assets ? |
1.15%
-25.4% YoY
+2.0% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.86%
-6.3% YoY
+2.5% QoQ
|
-0.12% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
61.86%
+20.2% YoY
+0.5% QoQ
|
-2.62% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
52% |
| Delinquency Rate ? |
0.04%
-5.1% QoQ
|
-0.88% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
82% |
| Loan-to-Deposit Ratio ? |
47.51%
-16.0% YoY
+6.2% QoQ
|
-30.45% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 7.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.05%
-18.2% YoY
-8.6% QoQ
|
+11.02% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Top 12.4% in tier |
| Nonperforming Asset Ratio ? |
0.01%
+0.5% QoQ
|
-0.65% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 14.7% in tier |
| Tier 1 Capital Ratio ? |
27.80%
+15.4% YoY
+10.4% QoQ
|
+11.90% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 5.0% in tier |
| Non-Interest Income / Assets ? |
0.11%
-69.5% YoY
+126.1% QoQ
|
-0.46% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
22% |
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 |
33.0%
-7.3pp YoY -3.1pp QoQ |
+10.9pp | 22.1% | 17.8% | 22.2% | 87% |
| 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 |
6.9%
-4.3pp YoY -0.9pp QoQ |
-4.7pp | 11.6% | 12.8% | 12.5% | 32% |
| CRE |
13.3%
-5.2pp YoY -0.7pp QoQ |
-26.2pp | 39.5% | 28.3% | 41.4% | 9% |
| 1-4 Family |
40.0%
+13.4pp YoY +5.6pp QoQ |
+7.3pp | 32.6% | 23.0% | 31.3% | 70% |
| Consumer |
4.4%
-0.1pp YoY -0.8pp QoQ |
+0.2pp | 4.1% | 2.9% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
27.8%
+3.7pp YoY +2.6pp QoQ |
+9.0pp | 18.8% | 15.4% | 19.7% | 92% |
| Leverage Ratio |
11.9%
+0.3pp YoY +0.2pp QoQ |
-0.2pp | 12.2% | 12.4% | 12.6% | 64% |
| Total Capital Ratio |
29.1%
+3.7pp YoY +2.6pp QoQ |
+9.1pp | 19.9% | 16.5% | 20.8% | 92% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
0 YoY 0 QoQ |
-37 | 58 | 64 | 482 | 14% |
| Assets per Employee ($) |
$5.9M
+6.1% YoY -0.5% QoQ |
-$1.6M | $7.5M | $8.9M | $8.8M | 31% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 5 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp QoQ |
-0.3pp | 0.3% | 0.4% | 0.4% | 34% |
| Nonaccrual | n/a | n/a | 0.9% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
63.42x
+2.7% QoQ |
+39.27x | 24.15x | 18.97x | 20.23x | 95% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 12% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.8%
-3.9pp YoY +0.1pp QoQ |
-2.4pp | 12.2% | 12.8% | 11.6% | 36% |
| Cost of Funds (YTD) |
1.1%
-0.1pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 15% |
| Net Income ($, YTD) |
$743,000
-21.5% YoY — QoQ |
-$1.8M | $2.6M | $4.0M | $40.4M | 18% |
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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)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.