BlastPoint's Banking Scorecard
Maquoketa State Bank
Maquoketa, IA
4 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 -0.9% year over year ($327.4M on the books).
- Delinquency rate 0.52%.
- Return on assets 1.44%.
- Efficiency ratio 55.02% vs a 64.48% peer average.
- Loan-to-deposit ratio 67.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Maquoketa State Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 49.3% in tier
- + ROA 0.12% above tier average
- + Efficiency Ratio 9.46% below tier average
- + Delinquency Rate 0.40% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$429.0M
+1.9% YoY
-3.5% QoQ
|
+$42.4M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
65% |
| Total Loans ? |
$221.7M
+3.5% YoY
+0.2% QoQ
|
-$36.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
53% |
| Total Deposits ? |
$327.4M
-0.9% YoY
-4.5% QoQ
|
+$657K |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
60% |
| Return on Assets ? |
1.44%
+6.4% YoY
+2.0% QoQ
|
+0.12% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
62% |
| Net Interest Margin ? |
3.29%
+4.3% YoY
+4.4% QoQ
|
-0.70% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
19% |
| Efficiency Ratio ? |
55.02%
-0.9% YoY
+2.3% QoQ
|
-9.46% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
72% |
| Delinquency Rate ? |
0.52%
-55.1% YoY
-57.4% QoQ
|
-0.40% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
45% |
| Loan-to-Deposit Ratio ? |
67.72%
+4.4% YoY
+5.0% QoQ
|
-10.23% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
18.50%
+9.7% YoY
+0.9% QoQ
|
-3.53% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.29%
-52.3% YoY
-53.6% QoQ
|
-0.38% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
16.45%
-0.7% YoY
-0.6% QoQ
|
+0.54% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.47%
+6.2% YoY
+110.5% QoQ
|
-0.10% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 10.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
18.5%
+1.6pp YoY +0.2pp QoQ |
-3.6pp | 22.1% | 17.8% | 22.2% | 38% |
| Brokered Deposits | n/a | n/a | 7.9% | 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 |
13.3%
-0.9pp YoY +0.3pp QoQ |
+1.8pp | 11.6% | 12.8% | 12.5% | 70% |
| CRE |
10.4%
+0.4pp YoY +0.5pp QoQ |
-29.1pp | 39.5% | 28.3% | 41.4% | 5% |
| 1-4 Family |
10.8%
+1.1pp YoY +0.4pp QoQ |
-21.8pp | 32.6% | 23.0% | 31.3% | 12% |
| Consumer |
3.5%
-0.4pp YoY -0.2pp QoQ |
-0.6pp | 4.1% | 2.9% | 5.0% | 66% |
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 |
16.4%
-0.1pp YoY -0.1pp QoQ |
+4.3pp | 12.2% | 12.4% | 12.6% | 92% |
| 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 |
53
-2 (-3.6%) YoY +1 (+1.9%) QoQ |
-6 | 58 | 64 | 482 | 56% |
| Assets per Employee ($) |
$8.1M
+5.7% YoY -5.3% QoQ |
+$576K | $7.5M | $8.9M | $8.8M | 69% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 5 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.2pp YoY -0.5pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 55% |
| Nonaccrual |
0.4%
-0.5pp YoY -0.2pp QoQ |
-0.5pp | 0.9% | 1.0% | 1.0% | 46% |
| Allowance Coverage |
2.32x
+125.4% YoY +149.5% QoQ |
-21.83x | 24.15x | 18.97x | 20.23x | 52% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 7% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
9.4%
-0.3pp YoY +0.1pp QoQ |
-2.8pp | 12.2% | 12.8% | 11.6% | 32% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 52% |
| Net Income ($, YTD) |
$3.1M
+10.3% YoY — QoQ |
+$584K | $2.6M | $4.0M | $40.4M | 72% |
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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 (1)
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.