BlastPoint's Banking Scorecard

Raccoon Valley Bank

$100M-$1B Specialty: Commercial IA FDIC cert 245

Perry, IA

4 branches across IA

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

Raccoon Valley Bank demonstrates 3 strengths

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 0.30% above tier average
+ Efficiency Ratio 8.77% below tier average
+ Delinquency Rate 0.15% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Raccoon Valley Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$489.9M +4.8% YoY +3.6% QoQ	+$103.8M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	71%
Total Loans ?	$371.8M +11.8% YoY +1.1% QoQ	+$116.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	77%
Total Deposits ?	$435.4M +3.1% YoY +4.5% QoQ	+$107.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	73%
Return on Assets ?	1.56% +73.5% YoY +89.9% QoQ	+0.30%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	71%
Net Interest Margin ?	3.88% +21.8% YoY +6.4% QoQ	-0.05%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	51%
Efficiency Ratio ?	56.51% -18.7% YoY -15.6% QoQ	-8.77%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	69%
Delinquency Rate ?	0.74% -42.2% YoY +56.8% QoQ	-0.15%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	35%
Loan-to-Deposit Ratio ?	85.38% +8.4% YoY -3.3% QoQ	+8.74%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	34%
Non-Interest-Bearing Deposit Share ?	16.15% -2.0% YoY -2.2% QoQ	-5.87%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	28%
Nonperforming Asset Ratio ?	0.70% -40.6% YoY +46.2% QoQ	+0.06%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	29%
Tier 1 Capital Ratio ?	11.17% -5.9% YoY +2.4% QoQ	-4.66%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.06% +22.8% YoY -56.3% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	27%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 (1 metrics)

621

Total Loans

size

Value: $371.77M

Peer Median: $255.72M

#621 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available