BlastPoint's Banking Scorecard

American State Bank

$1B-$10B Specialty: Agricultural IA FDIC cert 228

Designations: ✓ Community bank

Sioux Center, IA

11 branches across IA · SD

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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits -1.8% year over year ($1.2B on the books).
Delinquency rate 0.66%.
Return on assets 1.51%.
Efficiency ratio 45.11% vs a 59.73% peer average.
Loan-to-deposit ratio 109.70% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

American State Bank has 3 strengths but faces 3 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

+ ROA 0.11% above tier average
+ Efficiency Ratio 14.62% below tier average
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 14.5% in tier
- Liquidity Strain: Bottom 43.8% in tier
- Net Interest Margin 0.38% below tier average

Get updates when American 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 ?	$1.4B -2.7% YoY -0.7% QoQ	-$1.3B	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$1.3B -1.3% YoY -0.7% QoQ	-$626.9M	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	49%
Total Deposits ?	$1.2B -1.8% YoY -2.1% QoQ	-$1.1B	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	32%
Return on Assets ?	1.51% +27.1% YoY +9.9% QoQ	+0.11%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	3.49% +18.0% YoY +6.0% QoQ	-0.38%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	36%
Efficiency Ratio ?	45.11% -10.6% YoY -1.9% QoQ	-14.62%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 11.6% in tier
Delinquency Rate ?	0.66% -64.0% YoY -32.1% QoQ	-0.21%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	41%
Loan-to-Deposit Ratio ?	109.70% +0.5% YoY +1.5% QoQ	+24.66%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 4.6% in tier
Non-Interest-Bearing Deposit Share ?	10.90% -15.0% YoY +7.9% QoQ	-10.37%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 12.4% in tier
Nonperforming Asset Ratio ?	0.60% -64.3% YoY -32.1% QoQ	-0.07%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	11.78% +7.5% YoY +0.5% QoQ	-3.06%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	29%
Non-Interest Income / Assets ?	0.39% +27.9% YoY +101.7% QoQ	-0.14%	0.53% +2.5% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	69%

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	10.9% -1.9pp YoY +0.8pp QoQ	-10.5pp	21.4%	17.8%	22.2%	12%
Brokered Deposits	6.4% -6.9pp YoY -2.0pp QoQ	-3.1pp	9.5%	6.0%	8.5%	56%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	18.0% -3.2pp YoY -0.8pp QoQ	+4.0pp	14.0%	12.8%	12.5%	75%
CRE	27.1% -0.9pp YoY +0.3pp QoQ	-23.0pp	50.0%	28.3%	41.4%	10%
1-4 Family	10.3% +1.0pp YoY -0.2pp QoQ	-16.1pp	26.4%	23.0%	31.3%	18%
Consumer	1.1% -0.2pp YoY -0.1pp QoQ	-3.6pp	4.7%	2.9%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	11.8% +0.8pp YoY 0.0pp QoQ	-3.8pp	15.6%	15.4%	19.7%	19%
Leverage Ratio	10.8% +0.7pp YoY +0.2pp QoQ	-0.5pp	11.3%	12.4%	12.6%	57%
Total Capital Ratio	13.0% +0.8pp YoY +0.1pp QoQ	-3.7pp	16.7%	16.5%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	130 +1 (+0.8%) YoY -2 (-1.5%) QoQ	-184	313	64	482	16%
Assets per Employee ($)	$11.1M -3.5% YoY +0.8% QoQ	+$656K	$10.5M	$8.9M	$8.8M	73%
Branch Count	11 0 YoY 0 QoQ	-9	20	5	18	35%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.2pp YoY -0.1pp QoQ	-0.1pp	0.2%	0.4%	0.4%	53%
Nonaccrual	0.6% -1.0pp YoY -0.2pp QoQ	-0.2pp	0.8%	1.0%	1.0%	58%
Allowance Coverage	2.10x +208.6% YoY +70.4% QoQ	-16.61x	18.71x	18.97x	20.23x	50%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.2pp	0.3%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	14.0% +2.3pp YoY +1.1pp QoQ	+1.4pp	12.6%	12.8%	11.6%	66%
Cost of Funds (YTD)	2.4% -0.3pp YoY 0.0pp QoQ	+0.5pp	1.9%	1.8%	1.7%	82%
Net Income ($, YTD)	$11.1M +26.9% YoY — QoQ	-$8.2M	$19.2M	$4.0M	$40.4M	44%

Get Full Access to American State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 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 (2)

Deposit Outflow

decline

#20 of 131 • Bottom 14.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Liquidity Strain

risk

#159 of 361 • Bottom 43.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 109.70%

(Tier: 85.04%, National: 79.03%)

worse than tier avg

361 of 361 Mid-Market banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (1 metrics)

104

Efficiency Ratio

profitability

Value: 45.11%

Peer Median: 59.73%

#104 of 885 Top 11.6% in $1B-$10B

Top Weaknesses (2 metrics)

845

Loan-to-Deposit Ratio

liquidity

Value: 109.70%

Peer Median: 85.04%

#845 of 885 Bottom 4.6% in $1B-$10B

776

Non-Interest-Bearing Deposit Share

funding

Value: 10.90%

Peer Median: 21.27%

#776 of 885 Bottom 12.4% in $1B-$10B