BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 16177

Stuart, IA

4 branches across IA

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

First State Bank has 3 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

+ Credit Quality Leader: Top 8.1% in tier
+ Non-Interest-Bearing Deposit Share 14.14% above tier average
+ Efficiency Ratio 3.72% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 6.5% in tier
- Liquidity Overhang: Bottom 38.4% in tier
- ROA 0.14% below tier average
- Net Interest Margin 0.16% 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 ?	$130.3M +3.3% YoY +1.3% QoQ	-$255.7M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 8.6% in tier
Total Loans ?	$51.4M -14.0% YoY -9.8% QoQ	-$204.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 3.2% in tier
Total Deposits ?	$114.8M +2.8% YoY +1.2% QoQ	-$213.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 10.4% in tier
Return on Assets ?	1.12% +16.6% YoY -1.9% QoQ	-0.14%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	45%
Net Interest Margin ?	3.77% -7.7% YoY -8.2% QoQ	-0.16%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	45%
Efficiency Ratio ?	61.57% +7.0% YoY +4.7% QoQ	-3.72%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	55%
Delinquency Rate ?	0.04%	-0.85%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	81%
Loan-to-Deposit Ratio ?	44.75% -16.3% YoY -10.8% QoQ	-31.89%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 6.2% in tier
Non-Interest-Bearing Deposit Share ?	36.16% -13.5% YoY -19.4% QoQ	+14.14%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Top 8.6% in tier
Nonperforming Asset Ratio ?	0.01%	-0.62%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	85%
Tier 1 Capital Ratio ?	30.20% +31.1% YoY +18.3% QoQ	+14.37%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Top 3.8% in tier
Non-Interest Income / Assets ?	0.05% +1.6% YoY -91.8% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	19%

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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 (1)

Credit Quality Leader

growth

#55 of 664 • Top 8.1% in tier

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

Why this signature

Delinquency Rate: 0.04%

(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)

Credit Quality Pressure

risk

#86 of 1308 • Bottom 6.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.04%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ

Liquidity Overhang

risk

#285 of 739 • Bottom 38.4% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 30.20%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 44.75%

(Tier: 76.64%, National: 76.70%)

better than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank improving

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 (5 metrics)

102

Tier 1 Capital Ratio

capital

Value: 30.20%

Peer Median: 15.83%

#102 of 2664 Top 3.8% in $100M-$1B

166

Loan-to-Deposit Ratio

liquidity

Value: 44.75%

Peer Median: 76.64%

#166 of 2664 Top 6.2% in $100M-$1B

229

Non-Interest-Bearing Deposit Share

funding

Value: 36.16%

Peer Median: 22.02%

#229 of 2664 Top 8.6% in $100M-$1B

405

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#405 of 2664 Top 15.2% in $100M-$1B

492

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.89%

#492 of 2654 Top 18.5% in $100M-$1B

Top Weaknesses (4 metrics)

2580

Total Loans

size

Value: $51.39M

Peer Median: $255.72M

#2580 of 2664 Bottom 3.2% in $100M-$1B

2436

Total Assets

size

Value: $130.34M

Peer Median: $386.08M

#2436 of 2664 Bottom 8.6% in $100M-$1B

2388

Total Deposits

size

Value: $114.84M

Peer Median: $327.97M

#2388 of 2664 Bottom 10.4% in $100M-$1B

2166

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2166 of 2664 Bottom 18.7% in $100M-$1B