BlastPoint's Banking Scorecard
First Central State Bank
Dewitt, IA
6 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 +4.4% year over year ($595.4M on the books).
- Delinquency rate 0.21%.
- Return on assets 1.43%.
- Efficiency ratio 52.57% vs a 64.48% peer average.
- Loan-to-deposit ratio 82.44% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Central State Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 11.91% below tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.41% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$772.4M
+5.0% YoY
-1.5% QoQ
|
+$385.8M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 9.3% in tier |
| Total Loans ? |
$490.9M
+6.5% YoY
+1.4% QoQ
|
+$232.5M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Top 12.4% in tier |
| Total Deposits ? |
$595.4M
+4.4% YoY
-2.1% QoQ
|
+$268.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Top 12.6% in tier |
| Return on Assets ? |
1.43%
+24.2% YoY
+1.3% QoQ
|
+0.11% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
61% |
| Net Interest Margin ? |
3.57%
+15.0% YoY
+2.2% QoQ
|
-0.41% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
52.57%
-9.3% YoY
+0.7% QoQ
|
-11.91% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
78% |
| Delinquency Rate ? |
0.21%
-66.9% YoY
-28.5% QoQ
|
-0.71% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
82.44%
+2.0% YoY
+3.6% QoQ
|
+4.49% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
19.47%
-1.1% YoY
+1.6% QoQ
|
-2.56% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
43% |
| Nonperforming Asset Ratio ? |
0.21%
-52.9% YoY
+1.7% QoQ
|
-0.46% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
60% |
| Tier 1 Capital Ratio ? |
13.39%
+0.5% YoY
-0.2% QoQ
|
-2.52% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
52% |
| Non-Interest Income / Assets ? |
0.31%
+13.5% YoY
+115.9% QoQ
|
-0.25% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
74% |
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 |
19.5%
-0.2pp YoY +0.3pp QoQ |
-2.7pp | 22.1% | 17.8% | 22.2% | 43% |
| 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 |
16.8%
+0.1pp YoY +0.7pp QoQ |
+5.2pp | 11.6% | 12.8% | 12.5% | 81% |
| CRE |
35.3%
-0.6pp YoY -0.7pp QoQ |
-4.2pp | 39.5% | 28.3% | 41.4% | 44% |
| 1-4 Family |
22.4%
-0.2pp YoY +0.5pp QoQ |
-10.3pp | 32.6% | 23.0% | 31.3% | 35% |
| Consumer |
2.7%
-0.1pp YoY 0.0pp QoQ |
-1.4pp | 4.1% | 2.9% | 5.0% | 57% |
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 |
13.4%
+0.1pp YoY 0.0pp QoQ |
+1.2pp | 12.2% | 12.4% | 12.6% | 78% |
| 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 |
96
+1 (+1.1%) YoY +5 (+5.5%) QoQ |
+37 | 58 | 64 | 482 | 85% |
| Assets per Employee ($) |
$8.0M
+3.9% YoY -6.6% QoQ |
+$527K | $7.5M | $8.9M | $8.8M | 68% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 5 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 1.0% | 1.0% | 31% |
| Allowance Coverage |
6.03x
+239.1% YoY +48.2% QoQ |
-18.12x | 24.15x | 18.97x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
0.0%
-0.1pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 47% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
11.4%
+1.4pp YoY 0.0pp QoQ |
-0.8pp | 12.2% | 12.8% | 11.6% | 46% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 54% |
| Net Income ($, YTD) |
$5.6M
+31.0% YoY — QoQ |
+$3.0M | $2.6M | $4.0M | $40.4M | 90% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.