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BankIowa

$100M-$1B Specialty: Agricultural IA FDIC cert 17282

Cedar Rapids, IA

13 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

BankIowa has 4 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

  • + ROA 0.27% above tier average
  • + Net Interest Margin 0.17% above tier average
  • + Efficiency Ratio 2.41% below tier average
  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.9% in tier
  • - Liquidity Strain: Bottom 22.4% in tier
  • - Credit Quality Pressure: Bottom 24.5% in tier
  • - Flatlined Growth: Bottom 48.4% in tier
Get updates when BankIowa releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $836.5M
-2.0% YoY +1.6% QoQ
+$450.5M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
Top 6.6% in tier
Total Loans ? $677.3M
+1.2% YoY +0.4% QoQ
+$421.6M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
Top 3.3% in tier
Total Deposits ? $705.4M
+1.1% YoY +2.4% QoQ
+$377.4M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
Top 6.5% in tier
Return on Assets ? 1.54%
+40.2% YoY +11.1% QoQ
+0.27% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
70%
Net Interest Margin ? 4.10%
+19.4% YoY +6.2% QoQ
+0.17% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
63%
Efficiency Ratio ? 62.88%
-8.6% YoY -0.3% QoQ
-2.41% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
51%
Delinquency Rate ? 0.46%
+12.6% YoY -1.9% QoQ
-0.43% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
48%
Loan-to-Deposit Ratio ? 96.01%
+0.1% YoY -2.0% QoQ
+19.37% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
Bottom 14.1% in tier
Non-Interest-Bearing Deposit Share ? 19.39%
-2.3% YoY -3.9% QoQ
-2.63% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
42%
Nonperforming Asset Ratio ? 0.37%
+13.5% YoY -3.0% QoQ
-0.27% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
45%
Tier 1 Capital Ratio ? 12.48%
+9.5% YoY +3.1% QoQ
-3.35% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.19%
-0.8% YoY -75.5% QoQ
-0.09% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
84%

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 (4)

Credit Risk Growth

risk
#10 of 973 • Bottom 0.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#145 of 643 • Bottom 22.4% 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: 96.01%
(Tier: 76.64%, National: 76.70%)
worse than tier avg
643 of 643 Community banks match · 1013 nationally
→ Stable -50 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#322 of 1308 • Bottom 24.5% in tier

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

Why this signature
Delinquency Rate: 0.46%
(Tier: 0.89%, National: 0.95%)
better than tier avg
1308 of 1308 Community banks match · 1899 nationally
→ Stable +2 banks QoQ | QoQ rank improving

Flatlined Growth

risk
#249 of 512 • Bottom 48.4% 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: 1.54%
(Tier: 1.27%, National: 1.23%)
better than tier avg
512 of 512 Community banks match · 687 nationally
→ Stable +32 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

89
Total Loans
size
Value: $677.27M
Peer Median: $255.72M
#89 of 2664 Top 3.3% in $100M-$1B
174
Total Deposits
size
Value: $705.41M
Peer Median: $327.97M
#174 of 2664 Top 6.5% in $100M-$1B
177
Total Assets
size
Value: $836.55M
Peer Median: $386.08M
#177 of 2664 Top 6.6% in $100M-$1B
429
Non-Interest Income / Assets
revenue_mix
Value: 0.19%
Peer Median: 0.28%
#429 of 2664 Top 16.1% in $100M-$1B

Top Weaknesses (1 metrics)

2289
Loan-to-Deposit Ratio
liquidity
Value: 96.01%
Peer Median: 76.64%
#2289 of 2664 Bottom 14.1% in $100M-$1B
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