BlastPoint's Banking Scorecard

Bank Plus

$100M-$1B Specialty: Agricultural IA FDIC cert 16547

Estherville, IA

4 branches across IA

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

Bank Plus has 2 strengths 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

+ Net Interest Margin 0.38% above tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 6.2% in tier
- Flatlined Growth: Bottom 31.6% in tier
- Capital Constraint: Bottom 60.2% in tier
- ROA 0.21% below tier average
- Efficiency Ratio 7.23% 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 ?	$151.5M -0.7% YoY -3.6% QoQ	-$234.6M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 14.7% in tier
Total Loans ?	$122.5M +0.8% YoY -4.4% QoQ	-$133.2M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	27%
Total Deposits ?	$111.4M -4.0% YoY +0.9% QoQ	-$216.6M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 9.1% in tier
Return on Assets ?	1.06% +64.1% YoY +24.8% QoQ	-0.21%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	41%
Net Interest Margin ?	4.31% +7.1% YoY +3.7% QoQ	+0.38%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	73%
Efficiency Ratio ?	72.52% -8.0% YoY -4.1% QoQ	+7.23%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.02% -97.7% YoY -97.4% QoQ	-0.87%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	84%
Loan-to-Deposit Ratio ?	110.03% +5.0% YoY -5.3% QoQ	+33.39%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 2.9% in tier
Non-Interest-Bearing Deposit Share ?	26.07% +3.8% YoY +1.6% QoQ	+4.05%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	70%
Nonperforming Asset Ratio ?	0.02% -97.7% YoY -97.4% QoQ	-0.62%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	85%
Tier 1 Capital Ratio ?	9.81% +2.9% YoY -3.0% QoQ	-6.02%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 7.4% in tier
Non-Interest Income / Assets ?	0.04% -10.0% YoY -74.8% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 13.0% in tier

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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 (3)

Capital Thin

risk

#42 of 666 • Bottom 6.2% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.81%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Flatlined Growth

risk

#163 of 512 • Bottom 31.6% 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: 1.06%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Capital Constraint

risk

#66 of 108 • Bottom 60.2% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 110.03%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 9.81%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 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 (2 metrics)

409

Nonperforming Asset Ratio

credit_quality

Value: 0.02%

Peer Median: 0.64%

#409 of 2664 Top 15.3% in $100M-$1B

414

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#414 of 2654 Top 15.6% in $100M-$1B

Top Weaknesses (5 metrics)

2589

Loan-to-Deposit Ratio

liquidity

Value: 110.03%

Peer Median: 76.64%

#2589 of 2664 Bottom 2.9% in $100M-$1B

2469

Tier 1 Capital Ratio

capital

Value: 9.81%

Peer Median: 15.83%

#2469 of 2664 Bottom 7.4% in $100M-$1B

2423

Total Deposits

size

Value: $111.37M

Peer Median: $327.97M

#2423 of 2664 Bottom 9.1% in $100M-$1B

2320

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2320 of 2664 Bottom 13.0% in $100M-$1B

2273

Total Assets

size

Value: $151.46M

Peer Median: $386.08M

#2273 of 2664 Bottom 14.7% in $100M-$1B