BlastPoint's Banking Scorecard

Waukon State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 1857

Waukon, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Waukon State Bank has 4 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

+ Profitability Leader: Top 24.6% in tier
+ Credit Quality Leader: Top 36.8% in tier
+ Efficiency Ratio 20.10% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 47.9% in tier
- Net Interest Margin 0.27% below tier average

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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 ?	$450.2M +6.1% YoY +4.0% QoQ	+$64.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	67%
Total Loans ?	$344.5M +2.5% YoY -2.6% QoQ	+$88.8M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	74%
Total Deposits ?	$385.3M +6.9% YoY +4.2% QoQ	+$57.3M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	68%
Return on Assets ?	1.94% +42.4% YoY +10.0% QoQ	+0.67%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 13.9% in tier
Net Interest Margin ?	3.66% +11.0% YoY +1.5% QoQ	-0.27%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	45.18% -21.0% YoY -8.5% QoQ	-20.10%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 9.2% in tier
Delinquency Rate ?	0.00%	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	89.42% -4.2% YoY -6.5% QoQ	+12.78%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	25%
Non-Interest-Bearing Deposit Share ?	17.03% -2.2% YoY -5.0% QoQ	-4.99%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	32%
Nonperforming Asset Ratio ?	0.00%	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.14% -1.1% YoY -0.0% QoQ	-5.69%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 11.4% in tier
Non-Interest Income / Assets ?	0.05% +5.6% YoY -75.9% QoQ	-0.23%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	22%

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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 (2)

Profitability Leader

growth

#165 of 666 • Top 24.6% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.94%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Credit Quality Leader

growth

#245 of 664 • Top 36.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.89%, National: 0.95%)

better than tier avg

664 of 664 Community banks match · 922 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Concerns (1)

Capital Thin

risk

#320 of 666 • Bottom 47.9% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.14%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

245

Efficiency Ratio

profitability

Value: 45.18%

Peer Median: 65.29%

#245 of 2664 Top 9.2% in $100M-$1B

372

Return on Assets

profitability

Value: 1.94%

Peer Median: 1.27%

#372 of 2664 Top 13.9% in $100M-$1B

Top Weaknesses (2 metrics)

2362

Tier 1 Capital Ratio

capital

Value: 10.14%

Peer Median: 15.83%

#2362 of 2664 Bottom 11.4% in $100M-$1B

2090

Non-Interest Income / Assets

revenue_mix

Value: 0.05%

Peer Median: 0.28%

#2090 of 2664 Bottom 21.6% in $100M-$1B