BlastPoint's Banking Scorecard

Dysart State Bank

under $100M Specialty: Agricultural IA FDIC cert 17441

Designations: ✓ Community bank

Dysart, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
Deposits -10.7% year over year ($13.3M on the books).
Delinquency rate 1.69%.
Return on assets 2.15%.
Efficiency ratio 52.67% vs a 119.40% peer average.
Loan-to-deposit ratio 91.22% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 32 in IA

View under $100M leaderboard (IA) →

Dysart State Bank has 3 strengths but faces 1 concern

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

+ Return on Assets 1.15% above tier average
+ Net Interest Margin 0.86% above tier average
+ Efficiency Ratio 66.72% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.21% above tier average

Get updates when Dysart State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$16.5M -10.8% YoY -3.0% QoQ	-$45.9M	$62.4M -0.0% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Bottom 3.0% in tier
Total Loans ?	$12.1M -0.3% YoY +0.1% QoQ	-$22.8M	$34.9M -0.6% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Bottom 12.9% in tier
Total Deposits ?	$13.3M -10.7% YoY -3.5% QoQ	-$38.3M	$51.6M -0.2% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Bottom 5.4% in tier
Return on Assets ?	2.15% +26.8% YoY +14.2% QoQ	+1.15%	1.00% +3.5% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 8.8% in tier
Net Interest Margin ?	4.78% +3.4% YoY +2.4% QoQ	+0.86%	3.91% +2.3% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	82%
Efficiency Ratio ?	52.67% -11.2% YoY -8.6% QoQ	-66.72%	119.40% +49.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 13.2% in tier
Delinquency Rate ?	1.69% +57.6% QoQ	+0.21%	1.48% +31.8% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	25%
Loan-to-Deposit Ratio ?	91.22% +11.7% YoY +3.6% QoQ	+17.01%	74.21% +12.6% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	34.47% +9.6% YoY -2.0% QoQ	+10.98%	23.49% +0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	84%
Nonperforming Asset Ratio ?	1.24% +62.6% QoQ	+0.40%	0.84% +23.0% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	16.09% +15.1% YoY +3.2% QoQ	-11.03%	27.13% +3.0% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	54%
Non-Interest Income / Assets ?	0.21% +18.9% YoY +90.0% QoQ	-1.17%	1.38% +6.3% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	72%

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	34.5% +3.0pp YoY -0.7pp QoQ	+9.8pp	24.6%	17.8%	22.2%	83%
Brokered Deposits	n/a	n/a	9.8%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	2.0% +0.2pp YoY -0.3pp QoQ	-11.4pp	13.4%	12.8%	12.5%	6%
CRE	n/a	n/a	25.2%	28.3%	41.4%	n/a
1-4 Family	43.6% +1.0pp YoY +2.8pp QoQ	+8.6pp	35.0%	23.0%	31.3%	66%
Consumer	2.5% +1.1pp YoY +0.7pp QoQ	-5.2pp	7.7%	2.9%	5.0%	25%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	16.1% +2.1pp YoY +0.5pp QoQ	-22.6pp	38.7%	15.4%	19.7%	29%
Leverage Ratio	11.4% +1.8pp YoY +0.4pp QoQ	-6.3pp	17.7%	12.4%	12.6%	34%
Total Capital Ratio	17.1% +2.2pp YoY +0.5pp QoQ	-22.5pp	39.7%	16.5%	20.8%	30%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	6 0 YoY 0 QoQ	-6	12	64	482	13%
Assets per Employee ($)	$2.8M -10.8% YoY -3.0% QoQ	-$3.4M	$6.2M	$8.9M	$8.8M	6%
Branch Count	1 0 YoY 0 QoQ	-1	1	5	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	1.7% +0.6pp QoQ	+0.7pp	1.0%	0.4%	0.4%	86%
Nonaccrual	n/a	n/a	1.7%	1.0%	1.0%	n/a
Allowance Coverage	0.61x -36.6% QoQ	-5.80x	6.41x	18.97x	20.23x	29%
Net Charge-off Rate (YTD)	-0.0%	-0.2pp	0.2%	0.1%	0.2%	22%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	19.1% +0.9pp YoY +2.0pp QoQ	+12.7pp	6.4%	12.8%	11.6%	93%
Cost of Funds (YTD)	0.7% +0.2pp YoY 0.0pp QoQ	-0.8pp	1.4%	1.8%	1.7%	12%
Net Income ($, YTD)	$181,000 +19.1% YoY — QoQ	-$137K	$317,817	$4.0M	$40.4M	34%

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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 536 peers in under $100M

Top Strengths (4 metrics)

Return on Assets

profitability

Value: 2.15%

Peer Median: 1.00%

#48 of 536 Top 8.8% in under $100M

Efficiency Ratio

profitability

Value: 52.67%

Peer Median: 119.40%

#72 of 536 Top 13.2% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 34.47%

Peer Median: 23.49%

#87 of 536 Top 16.0% in under $100M

Net Interest Margin

profitability

Value: 4.78%

Peer Median: 3.91%

#96 of 536 Top 17.7% in under $100M

Top Weaknesses (5 metrics)

521

Total Assets

size

Value: $16.54M

Peer Median: $62.44M

#521 of 536 Bottom 3.0% in under $100M

508

Total Deposits

size

Value: $13.28M

Peer Median: $51.62M

#508 of 536 Bottom 5.4% in under $100M

468

Total Loans

size

Value: $12.11M

Peer Median: $34.89M

#468 of 536 Bottom 12.9% in under $100M

451

Loan-to-Deposit Ratio

liquidity

Value: 91.22%

Peer Median: 74.21%

#451 of 536 Bottom 16.0% in under $100M

430

Nonperforming Asset Ratio

credit_quality

Value: 1.24%

Peer Median: 0.84%

#430 of 536 Bottom 20.0% in under $100M