BlastPoint

BlastPoint's Banking Scorecard

BankIowa

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

Cedar Rapids, IA

13 branches across IA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
  • Deposits +5.8% year over year ($712.7M on the books).
  • Delinquency rate 1.01%.
  • Return on assets 1.60%.
  • Efficiency ratio 61.62% vs a 64.48% peer average.
  • Loan-to-deposit ratio 96.47% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

BankIowa 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

  • + ROA 0.28% above tier average
  • + Net Interest Margin 0.15% above tier average
  • + Efficiency Ratio 2.86% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 22.7% in tier
  • - Credit Risk Growth: Bottom 47.1% in tier
Get updates when BankIowa releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $846.2M
+3.0% YoY +1.2% QoQ
+$459.6M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
Top 5.8% in tier
Total Loans ? $687.6M
+1.6% YoY +1.5% QoQ
+$429.2M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
Top 2.9% in tier
Total Deposits ? $712.7M
+5.8% YoY +1.0% QoQ
+$386.0M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
Top 6.0% in tier
Return on Assets ? 1.60%
+32.3% YoY +4.1% QoQ
+0.28% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
71%
Net Interest Margin ? 4.14%
+13.8% YoY +0.8% QoQ
+0.15% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
61%
Efficiency Ratio ? 61.62%
-6.6% YoY -2.0% QoQ
-2.86% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
52%
Delinquency Rate ? 1.01%
+451.8% YoY +119.8% QoQ
+0.09% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
28%
Loan-to-Deposit Ratio ? 96.47%
-4.0% YoY +0.5% QoQ
+18.52% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
Bottom 14.3% in tier
Non-Interest-Bearing Deposit Share ? 20.55%
+6.1% YoY +6.0% QoQ
-1.48% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
48%
Nonperforming Asset Ratio ? 0.82%
+415.5% YoY +120.6% QoQ
+0.15% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
26%
Tier 1 Capital Ratio ? 12.46%
+6.5% YoY -0.2% QoQ
-3.45% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
41%
Non-Interest Income / Assets ? 0.36%
-0.3% YoY +92.3% QoQ
-0.20% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
81%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Noninterest-Bearing 20.5%
+1.2pp YoY
+1.2pp QoQ
 -1.6pp 22.1% 17.8% 22.2% 48%
Brokered Deposits 3.6%
+0.4pp YoY
-0.3pp QoQ
 -4.3pp 7.9% 6.0% 8.5% 42%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 15.9%
+0.5pp YoY
+0.5pp QoQ
 +4.3pp 11.6% 12.8% 12.5% 79%
CRE 35.4%
-3.8pp YoY
+0.7pp QoQ
 -4.1pp 39.5% 28.3% 41.4% 44%
1-4 Family 17.0%
+1.4pp YoY
+0.4pp QoQ
 -15.6pp 32.6% 23.0% 31.3% 24%
Consumer 1.2%
-0.2pp YoY
-0.1pp QoQ
 -2.9pp 4.1% 2.9% 5.0% 34%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.4% 19.7% n/a
Leverage Ratio 12.5%
+0.8pp YoY
0.0pp QoQ
 +0.3pp 12.2% 12.4% 12.6% 70%
Total Capital Ratio n/a n/a 19.9% 16.5% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 142
+12 (+9.2%) YoY
+8 (+6.0%) QoQ
 +83 58 64 482 96%
Assets per Employee ($) $6.0M
-5.7% YoY
-4.5% QoQ
 -$1.6M $7.5M $8.9M $8.8M 33%
Branch Count 13
0 YoY
0 QoQ
 +8 4 5 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 1.0%
+0.8pp YoY
+0.5pp QoQ
 +0.1pp 0.9% 1.0% 1.0% 72%
Allowance Coverage 1.14x
-81.1% YoY
-52.8% QoQ
 -23.01x 24.15x 18.97x 20.23x 30%
Net Charge-off Rate (YTD) -0.1%
-0.2pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.1% 0.2% 4%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 13.0%
+2.2pp YoY
+0.4pp QoQ
 +0.8pp 12.2% 12.8% 11.6% 56%
Cost of Funds (YTD) 1.6%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 1.7% 1.8% 1.7% 45%
Net Income ($, YTD) $6.7M
+32.9% YoY
— QoQ
 +$4.1M $2.6M $4.0M $40.4M 94%

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)

Liquidity Strain

risk
#158 of 691 • Bottom 22.7% 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: 96.47%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Credit Risk Growth

risk
#442 of 936 • Bottom 47.1% in tier

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

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (4 metrics)

78
Total Loans
size
Value: $687.56M
Peer Median: $258.35M
#78 of 2643 Top 2.9% in $100M-$1B
153
Total Assets
size
Value: $846.17M
Peer Median: $386.57M
#153 of 2643 Top 5.8% in $100M-$1B
160
Total Deposits
size
Value: $712.71M
Peer Median: $326.73M
#160 of 2643 Top 6.0% in $100M-$1B
495
Non-Interest Income / Assets
revenue_mix
Value: 0.36%
Peer Median: 0.57%
#495 of 2643 Top 18.7% in $100M-$1B

Top Weaknesses (1 metrics)

2266
Loan-to-Deposit Ratio
liquidity
Value: 96.47%
Peer Median: 77.95%
#2266 of 2643 Bottom 14.3% in $100M-$1B
Powered by BlastPoint © 2026