BlastPoint's Banking Scorecard
Raccoon Valley Bank
Perry, IA
4 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 +5.2% year over year ($430.2M on the books).
- Delinquency rate 0.75%.
- Return on assets 1.62%.
- Efficiency ratio 56.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.55% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Raccoon Valley Bank shows strong momentum with 3 strengths and 7.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.30% above tier average
- + Efficiency Ratio 8.44% below tier average
- + Delinquency Rate 0.17% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$486.0M
+7.0% YoY
-0.8% QoQ
|
+$99.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
70% |
| Total Loans ? |
$376.7M
+12.1% YoY
+1.3% QoQ
|
+$118.3M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
77% |
| Total Deposits ? |
$430.2M
+5.2% YoY
-1.2% QoQ
|
+$103.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
73% |
| Return on Assets ? |
1.62%
+61.2% YoY
+3.5% QoQ
|
+0.30% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.97%
+14.8% YoY
+2.3% QoQ
|
-0.02% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
52% |
| Efficiency Ratio ? |
56.04%
-16.6% YoY
-0.8% QoQ
|
-8.44% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
69% |
| Delinquency Rate ? |
0.75%
-39.4% YoY
+1.7% QoQ
|
-0.17% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
36% |
| Loan-to-Deposit Ratio ? |
87.55%
+6.5% YoY
+2.5% QoQ
|
+9.60% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
16.30%
-1.0% YoY
+1.0% QoQ
|
-5.73% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
29% |
| Nonperforming Asset Ratio ? |
0.58%
-36.5% YoY
-16.6% QoQ
|
-0.09% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
11.47%
-3.7% YoY
+2.6% QoQ
|
-4.44% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.12%
+270.7% YoY
+98.6% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
26% |
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 |
16.3%
-0.2pp YoY +0.2pp QoQ |
-5.8pp | 22.1% | 17.8% | 22.2% | 28% |
| Brokered Deposits |
3.5%
+0.9pp YoY -0.6pp QoQ |
-4.4pp | 7.9% | 6.0% | 8.5% | 41% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.4%
-2.0pp YoY +0.2pp QoQ |
+1.8pp | 11.6% | 12.8% | 12.5% | 70% |
| CRE |
54.2%
+7.1pp YoY -0.5pp QoQ |
+14.7pp | 39.5% | 28.3% | 41.4% | 76% |
| 1-4 Family |
18.0%
-0.6pp YoY +0.3pp QoQ |
-14.7pp | 32.6% | 23.0% | 31.3% | 26% |
| Consumer |
0.2%
0.0pp YoY 0.0pp QoQ |
-3.9pp | 4.1% | 2.9% | 5.0% | 8% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.5%
-0.4pp YoY +0.3pp QoQ |
-7.4pp | 18.8% | 15.4% | 19.7% | 12% |
| Leverage Ratio |
9.6%
+0.3pp YoY +0.1pp QoQ |
-2.6pp | 12.2% | 12.4% | 12.6% | 23% |
| Total Capital Ratio |
12.7%
-0.4pp YoY +0.3pp QoQ |
-7.2pp | 19.9% | 16.5% | 20.8% | 13% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
52
+1 (+2.0%) YoY 0 QoQ |
-7 | 58 | 64 | 482 | 56% |
| Assets per Employee ($) |
$9.3M
+4.9% YoY -0.8% QoQ |
+$1.8M | $7.5M | $8.9M | $8.8M | 82% |
| Branch Count |
4
0 YoY 0 QoQ |
-1 | 4 | 5 | 18 | 42% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
-0.1pp YoY 0.0pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 45% |
| Nonaccrual |
0.7%
-0.4pp YoY 0.0pp QoQ |
-0.3pp | 0.9% | 1.0% | 1.0% | 61% |
| Allowance Coverage |
2.00x
+91.3% YoY +3.6% QoQ |
-22.15x | 24.15x | 18.97x | 20.23x | 48% |
| Net Charge-off Rate (YTD) |
-0.3%
-0.4pp YoY 0.0pp QoQ |
-0.4pp | 0.1% | 0.1% | 0.2% | 1% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
17.5%
+6.3pp YoY +0.4pp QoQ |
+5.3pp | 12.2% | 12.8% | 11.6% | 80% |
| Cost of Funds (YTD) |
2.0%
-0.3pp YoY 0.0pp QoQ |
+0.3pp | 1.7% | 1.8% | 1.7% | 72% |
| Net Income ($, YTD) |
$3.9M
+70.4% YoY — QoQ |
+$1.4M | $2.6M | $4.0M | $40.4M | 80% |
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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.