BlastPoint's Banking Scorecard
Pocahontas State Bank
Pocahontas, 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 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +1.2% year over year ($83.1M on the books).
- Delinquency rate 1.97%.
- Return on assets 0.50%.
- Efficiency ratio 31.54% vs a 64.48% peer average.
- Loan-to-deposit ratio 52.66% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Pocahontas State Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 32.94% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 46.4% in tier
- - Net Interest Margin 1.42% below tier average
- - Non-Interest Income / Assets 0.53% below tier average
- - ROA 0.82% below tier average
- - Delinquency Rate 1.05% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$122.6M
+6.9% YoY
-3.8% QoQ
|
-$264.0M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 6.4% in tier |
| Total Loans ? |
$43.7M
+20.3% YoY
+2.7% QoQ
|
-$214.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.9% in tier |
| Total Deposits ? |
$83.1M
+1.2% YoY
-10.4% QoQ
|
-$243.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 1.2% in tier |
| Return on Assets ? |
0.50%
-67.9% YoY
-73.3% QoQ
|
-0.82% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Bottom 12.3% in tier |
| Net Interest Margin ? |
2.57%
-0.5% YoY
-12.9% QoQ
|
-1.42% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 3.4% in tier |
| Efficiency Ratio ? |
31.54%
-9.6% YoY
+10.3% QoQ
|
-32.94% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 1.0% in tier |
| Delinquency Rate ? | 1.97% | +1.05% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 13.1% in tier |
| Loan-to-Deposit Ratio ? |
52.66%
+18.8% YoY
+14.6% QoQ
|
-25.29% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 10.6% in tier |
| Non-Interest-Bearing Deposit Share ? |
12.41%
-9.3% YoY
-6.5% QoQ
|
-9.62% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
16% |
| Nonperforming Asset Ratio ? | 0.70% | +0.03% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
26.35%
-1.9% YoY
-1.4% QoQ
|
+10.44% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Top 5.7% in tier |
| Non-Interest Income / Assets ? |
0.04%
-0.2% YoY
+211.7% QoQ
|
-0.53% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 3.9% 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 |
12.4%
-1.3pp YoY -0.9pp QoQ |
-9.7pp | 22.1% | 17.8% | 22.2% | 15% |
| 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 |
9.9%
+4.1pp YoY +3.9pp QoQ |
-1.6pp | 11.6% | 12.8% | 12.5% | 52% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
23.9%
+4.6pp YoY +1.1pp QoQ |
-8.8pp | 32.6% | 23.0% | 31.3% | 39% |
| Consumer |
1.6%
+0.3pp YoY +0.1pp QoQ |
-2.5pp | 4.1% | 2.9% | 5.0% | 41% |
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 |
26.4%
-0.5pp YoY -0.4pp QoQ |
+14.2pp | 12.2% | 12.4% | 12.6% | 98% |
| 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 |
8
0 YoY 0 QoQ |
-51 | 58 | 64 | 482 | 0% |
| Assets per Employee ($) |
$15.3M
+6.9% YoY -3.8% QoQ |
+$7.8M | $7.5M | $8.9M | $8.8M | 98% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | 2.0% | +1.0pp | 0.9% | 1.0% | 1.0% | 87% |
| Allowance Coverage |
1.12x
-91.9% QoQ |
-23.03x | 24.15x | 18.97x | 20.23x | 30% |
| Net Charge-off Rate (YTD) |
0.2%
+0.1pp YoY +0.2pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 83% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
1.8%
-4.1pp YoY -5.1pp QoQ |
-10.4pp | 12.2% | 12.8% | 11.6% | 6% |
| Cost of Funds (YTD) |
1.5%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 1.7% | 1.8% | 1.7% | 38% |
| Net Income ($, YTD) |
$311,000
-66.5% YoY — QoQ |
-$2.2M | $2.6M | $4.0M | $40.4M | 7% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.