BlastPoint's Banking Scorecard

St. Ansgar State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 17259

Saint Ansgar, IA

2 branches across IA

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

St. Ansgar State Bank 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

+ Efficiency Ratio 3.90% below tier average
+ Delinquency Rate 0.36% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 3.6% in tier
- Flatlined Growth: Bottom 20.5% in tier
- Liquidity Strain: Bottom 21.8% in tier
- Net Interest Margin 1.05% below tier average
- ROA 0.23% 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 ?	$189.4M -1.9% YoY +0.1% QoQ	-$196.7M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	24%
Total Loans ?	$130.8M +4.4% YoY +4.9% QoQ	-$124.9M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	29%
Total Deposits ?	$142.9M +2.0% YoY -2.2% QoQ	-$185.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	19%
Return on Assets ?	1.04% +18.1% YoY +24.3% QoQ	-0.23%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	40%
Net Interest Margin ?	2.88% +13.6% YoY +7.1% QoQ	-1.05%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 8.2% in tier
Efficiency Ratio ?	61.38% -6.4% YoY -8.0% QoQ	-3.90%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	56%
Delinquency Rate ?	0.53% -14.3% YoY -40.1% QoQ	-0.36%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	44%
Loan-to-Deposit Ratio ?	91.52% +2.3% YoY +7.3% QoQ	+14.88%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	22%
Non-Interest-Bearing Deposit Share ?	15.45% -2.4% YoY -9.3% QoQ	-6.57%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.36% -8.8% YoY -37.3% QoQ	-0.27%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	45%
Tier 1 Capital Ratio ?	9.48% +3.4% YoY -0.3% QoQ	-6.35%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 4.2% in tier
Non-Interest Income / Assets ?	0.05% +40.2% YoY -66.7% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	18%

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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

#25 of 666 • Bottom 3.6% 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: 9.48%

(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

#106 of 512 • Bottom 20.5% 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: 1.04%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ

Liquidity Strain

risk

#141 of 643 • Bottom 21.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 91.52%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2553

Tier 1 Capital Ratio

capital

Value: 9.48%

Peer Median: 15.83%

#2553 of 2664 Bottom 4.2% in $100M-$1B

2446

Net Interest Margin

profitability

Value: 2.88%

Peer Median: 3.93%

#2446 of 2664 Bottom 8.2% in $100M-$1B

2193

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2193 of 2664 Bottom 17.7% in $100M-$1B

2160

Total Deposits

size

Value: $142.90M

Peer Median: $327.97M

#2160 of 2664 Bottom 19.0% in $100M-$1B

2089

Loan-to-Deposit Ratio

liquidity

Value: 91.52%

Peer Median: 76.64%

#2089 of 2664 Bottom 21.6% in $100M-$1B

2026

Total Assets

size

Value: $189.42M

Peer Median: $386.08M

#2026 of 2664 Bottom 24.0% in $100M-$1B