BlastPoint's Banking Scorecard

Capra Bank

$1B-$10B Specialty: Commercial IA FDIC cert 16363

Designations: ✓ Community bank

Dubuque, IA

7 branches across TX · IA · NM

884 banks in the $1B-$10B peer group nationally 27 in IA

Capra Bank has 3 strengths but faces 2 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 0.89% below tier average
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 5.92% below tier average

Key Concerns

Areas that may need attention

- Non-Interest-Bearing Deposit Share 13.34% below tier average
- Net Interest Margin 0.56% 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 ?	$1.2B +71.7% YoY +26.1% QoQ	-$1.6B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$477.8M +59.6% YoY +3.9% QoQ	-$1.5B	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 2.4% in tier
Total Deposits ?	$1.0B +60.6% YoY +18.1% QoQ	-$1.3B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	18%
Return on Assets ?	1.32% +296.8% YoY +89.9% QoQ	-0.04%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	58%
Net Interest Margin ?	3.26% -3.4% YoY -1.7% QoQ	-0.56%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	27%
Efficiency Ratio ?	55.14% -27.2% YoY -19.9% QoQ	-5.92%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	64%
Delinquency Rate ?	0.00%	-0.89%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	45.80% -0.6% YoY -12.0% QoQ	-38.40%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 3.5% in tier
Non-Interest-Bearing Deposit Share ?	7.95% -4.7% YoY -6.3% QoQ	-13.34%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 8.0% in tier
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	12.99% -16.9% YoY +16.7% QoQ	-2.17%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.07% +56.2% YoY -68.3% QoQ	-0.18%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	20%

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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 (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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (3 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 880 Top 0.1% in $1B-$10B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 884 Top 0.1% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 45.80%

Peer Median: 84.20%

#32 of 884 Top 3.5% in $1B-$10B

Top Weaknesses (5 metrics)

864

Total Loans

size

Value: $477.80M

Peer Median: $1.96B

#864 of 884 Bottom 2.4% in $1B-$10B

814

Non-Interest-Bearing Deposit Share

funding

Value: 7.95%

Peer Median: 21.29%

#814 of 884 Bottom 8.0% in $1B-$10B

723

Total Deposits

size

Value: $1.04B

Peer Median: $2.34B

#723 of 884 Bottom 18.3% in $1B-$10B

718

Total Assets

size

Value: $1.23B

Peer Median: $2.82B

#718 of 884 Bottom 18.9% in $1B-$10B

710

Non-Interest Income / Assets

revenue_mix

Value: 0.07%

Peer Median: 0.26%

#710 of 884 Bottom 19.8% in $1B-$10B