BlastPoint's Banking Scorecard

Dysart State Bank

under $100M Specialty: Agricultural IA FDIC cert 17441

Designations: ✓ Community bank

Dysart, IA

541 banks in the under $100M peer group nationally 33 in IA

Dysart State Bank demonstrates 4 strengths

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 1.04% above tier average
+ Net Interest Margin 0.81% above tier average
+ Efficiency Ratio 30.69% below tier average
+ Delinquency Rate 0.30% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$17.1M -4.6% YoY +0.3% QoQ	-$45.1M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 3.1% in tier
Total Loans ?	$12.1M +6.6% YoY +1.4% QoQ	-$22.1M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 13.1% in tier
Total Deposits ?	$13.8M +0.1% YoY -0.1% QoQ	-$38.0M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 5.7% in tier
Return on Assets ?	1.88% +53.7% YoY +3.8% QoQ	+1.04%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 12.0% in tier
Net Interest Margin ?	4.67% -2.9% YoY -0.2% QoQ	+0.81%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	81%
Efficiency Ratio ?	57.65% -20.2% YoY +1.7% QoQ	-30.69%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	80%
Delinquency Rate ?	1.07%	-0.30%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	88.01% +6.5% YoY +1.5% QoQ	+23.79%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	17%
Non-Interest-Bearing Deposit Share ?	35.18% -11.6% YoY +2.4% QoQ	+11.47%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Top 13.5% in tier
Nonperforming Asset Ratio ?	0.76%	-0.03%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	28%
Tier 1 Capital Ratio ?	15.60% +10.8% YoY -0.1% QoQ	-11.08%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	51%
Non-Interest Income / Assets ?	0.11% +17.1% YoY -72.1% QoQ	-0.55%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	76%

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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 541 peers in under $100M

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 1.88%

Peer Median: 0.84%

#66 of 541 Top 12.0% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 35.18%

Peer Median: 23.71%

#74 of 541 Top 13.5% in under $100M

103

Net Interest Margin

profitability

Value: 4.67%

Peer Median: 3.86%

#103 of 541 Top 18.9% in under $100M

111

Efficiency Ratio

profitability

Value: 57.65%

Peer Median: 88.34%

#111 of 541 Top 20.3% in under $100M

131

Non-Interest Income / Assets

revenue_mix

Value: 0.11%

Peer Median: 0.67%

#131 of 541 Top 24.0% in under $100M

Top Weaknesses (4 metrics)

525

Total Assets

size

Value: $17.05M

Peer Median: $62.16M

#525 of 541 Bottom 3.1% in under $100M

511

Total Deposits

size

Value: $13.75M

Peer Median: $51.74M

#511 of 541 Bottom 5.7% in under $100M

471

Total Loans

size

Value: $12.10M

Peer Median: $34.25M

#471 of 541 Bottom 13.1% in under $100M

449

Loan-to-Deposit Ratio

liquidity

Value: 88.01%

Peer Median: 64.22%

#449 of 541 Bottom 17.2% in under $100M