BlastPoint's Banking Scorecard
First Security State Bank
Designations: ✓ Community bank
Evansdale, IA
2 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits -6.8% year over year ($74.1M on the books).
- Delinquency rate 3.15%.
- Return on assets 1.03%.
- Efficiency ratio 72.21% vs a 119.40% peer average.
- Loan-to-deposit ratio 83.07% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Security State Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 47.19% below tier average
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.38% above tier average
- - Net Interest Margin 0.14% below tier average
- - Delinquency Rate 1.67% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.3M
-5.4% YoY
+0.3% QoQ
|
+$24.9M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
82% |
| Total Loans ? |
$61.6M
+7.8% YoY
+4.1% QoQ
|
+$26.7M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Top 12.3% in tier |
| Total Deposits ? |
$74.1M
-6.8% YoY
+0.1% QoQ
|
+$22.5M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
82% |
| Return on Assets ? |
1.03%
+5.7% YoY
+2.5% QoQ
|
+0.03% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
3.77%
+7.2% YoY
+2.8% QoQ
|
-0.14% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
44% |
| Efficiency Ratio ? |
72.21%
+0.0% YoY
+0.3% QoQ
|
-47.19% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
3.15%
+8.2% YoY
+0.7% QoQ
|
+1.67% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 11.6% in tier |
| Loan-to-Deposit Ratio ? |
83.07%
+15.7% YoY
+4.0% QoQ
|
+8.86% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
19.28%
-0.2% YoY
+8.9% QoQ
|
-4.21% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
36% |
| Nonperforming Asset Ratio ? |
2.22%
+23.3% YoY
+4.5% QoQ
|
+1.38% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 9.0% in tier |
| Tier 1 Capital Ratio ? |
14.90%
+4.0% YoY
+1.6% QoQ
|
-12.23% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.11%
+6.9% YoY
+95.2% QoQ
|
-1.27% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
43% |
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 |
19.3%
0.0pp YoY +1.6pp QoQ |
-5.4pp | 24.6% | 17.8% | 22.2% | 33% |
| 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 |
35.4%
-1.2pp YoY -0.1pp QoQ |
+22.0pp | 13.4% | 12.8% | 12.5% | 94% |
| CRE |
16.3%
+0.3pp YoY -0.1pp QoQ |
-9.0pp | 25.2% | 28.3% | 41.4% | 39% |
| 1-4 Family |
15.3%
+0.6pp YoY +0.1pp QoQ |
-19.7pp | 35.0% | 23.0% | 31.3% | 30% |
| Consumer |
31.8%
-1.7pp YoY +0.1pp QoQ |
+24.1pp | 7.7% | 2.9% | 5.0% | 97% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
14.9%
+0.6pp YoY +0.2pp QoQ |
-2.8pp | 17.7% | 12.4% | 12.6% | 68% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
-1 (-5.6%) YoY -1 (-5.6%) QoQ |
+5 | 12 | 64 | 482 | 81% |
| Assets per Employee ($) |
$5.1M
+0.1% YoY +6.2% QoQ |
-$1.1M | $6.2M | $8.9M | $8.8M | 38% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 5 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+0.6pp YoY +0.2pp QoQ |
+0.1pp | 1.0% | 0.4% | 0.4% | 77% |
| Nonaccrual |
2.1%
-0.4pp YoY -0.2pp QoQ |
+0.3pp | 1.7% | 1.0% | 1.0% | 76% |
| Allowance Coverage |
0.33x
-11.8% YoY -5.5% QoQ |
-6.08x | 6.41x | 18.97x | 20.23x | 9% |
| Net Charge-off Rate (YTD) |
0.0%
-0.3pp YoY 0.0pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 54% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.4%
-0.4pp YoY +0.1pp QoQ |
+1.0pp | 6.4% | 12.8% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.7%
0.0pp YoY 0.0pp QoQ |
+0.3pp | 1.4% | 1.8% | 1.7% | 68% |
| Net Income ($, YTD) |
$449,000
-0.2% YoY — QoQ |
+$131K | $317,817 | $4.0M | $40.4M | 68% |
Get Full Access to First Security State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.