BlastPoint's Banking Scorecard

Manufacturers Bank & Trust Company

$100M-$1B Specialty: Agricultural IA FDIC cert 16307

Forest City, IA

9 branches across MN · IA

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

Manufacturers Bank & Trust Company has 1 strength but faces 5 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

+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 39.8% in tier
- Deposit Outflow: Bottom 48.2% in tier
- ROA 0.11% below tier average
- Net Interest Margin 0.31% below tier average
- Efficiency Ratio 4.67% above 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 ?	$727.8M -0.5% YoY -1.4% QoQ	+$341.8M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 11.2% in tier
Total Loans ?	$505.5M -2.0% YoY -2.0% QoQ	+$249.7M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 10.5% in tier
Total Deposits ?	$630.1M -1.1% YoY -1.3% QoQ	+$302.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 10.8% in tier
Return on Assets ?	1.15% +22.2% YoY -5.9% QoQ	-0.11%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	47%
Net Interest Margin ?	3.62% +13.9% YoY +5.1% QoQ	-0.31%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	36%
Efficiency Ratio ?	69.96% -0.9% YoY +6.9% QoQ	+4.67%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	32%
Delinquency Rate ?	0.73% -3.8% YoY +34.9% QoQ	-0.16%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	80.22% -1.0% YoY -0.8% QoQ	+3.58%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	46%
Non-Interest-Bearing Deposit Share ?	18.20% -5.0% YoY -8.9% QoQ	-3.82%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.51% -5.3% YoY +34.1% QoQ	-0.13%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	37%
Tier 1 Capital Ratio ?	12.77% +4.3% YoY -0.9% QoQ	-3.06%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	44%
Non-Interest Income / Assets ?	0.19% +4.3% YoY -76.0% QoQ	-0.09%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	84%

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#205 of 512 • Bottom 39.8% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.15%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank declining

Deposit Outflow

decline

#245 of 506 • Bottom 48.2% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

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 (4 metrics)

281

Total Loans

size

Value: $505.46M

Peer Median: $255.72M

#281 of 2664 Top 10.5% in $100M-$1B

288

Total Deposits

size

Value: $630.08M

Peer Median: $327.97M

#288 of 2664 Top 10.8% in $100M-$1B

299

Total Assets

size

Value: $727.85M

Peer Median: $386.08M

#299 of 2664 Top 11.2% in $100M-$1B

438

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#438 of 2664 Top 16.4% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available