BlastPoint's Banking Scorecard

American State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 26944

Osceola, IA

4 branches across IA

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

American State Bank shows strong momentum with 5 strengths and 7.0% YoY asset growth

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

+ Profitability Leader: Top 37.2% in tier
+ Revenue Diversifier: Top 39.6% in tier
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 15.56% below tier average
+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when American State 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 ?	$352.0M +7.0% YoY +1.2% QoQ	-$34.0M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	54%
Total Loans ?	$239.5M +4.1% YoY +0.1% QoQ	-$16.2M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	57%
Total Deposits ?	$275.2M +5.2% YoY +1.0% QoQ	-$52.8M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	50%
Return on Assets ?	2.13% +16.6% YoY +3.6% QoQ	+0.86%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 9.8% in tier
Net Interest Margin ?	4.10% +4.8% YoY -0.7% QoQ	+0.17%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	63%
Efficiency Ratio ?	49.72% -8.3% YoY -3.4% QoQ	-15.56%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	85%
Delinquency Rate ?	0.02% -85.2% YoY -90.1% QoQ	-0.87%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	85%
Loan-to-Deposit Ratio ?	87.02% -1.1% YoY -0.9% QoQ	+10.38%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	31%
Non-Interest-Bearing Deposit Share ?	13.41% -4.7% YoY -1.3% QoQ	-8.61%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	19%
Nonperforming Asset Ratio ?	0.04% -57.8% YoY -76.0% QoQ	-0.60%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	80%
Tier 1 Capital Ratio ?	11.29% +1.9% YoY +1.2% QoQ	-4.54%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.18% +9.0% YoY -74.4% QoQ	-0.10%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	81%

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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 (2)

Profitability Leader

growth

#249 of 666 • Top 37.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 2.13%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank declining

Revenue Diversifier

growth

#265 of 666 • Top 39.6% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.18%

(Tier: 0.28%, National: 0.32%)

but worse than tier avg

Return on Assets: 2.13%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 (5 metrics)

263

Return on Assets

profitability

Value: 2.13%

Peer Median: 1.27%

#263 of 2664 Top 9.8% in $100M-$1B

413

Efficiency Ratio

profitability

Value: 49.72%

Peer Median: 65.29%

#413 of 2664 Top 15.5% in $100M-$1B

412

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#412 of 2654 Top 15.5% in $100M-$1B

505

Non-Interest Income / Assets

revenue_mix

Value: 0.18%

Peer Median: 0.28%

#505 of 2664 Top 18.9% in $100M-$1B

534

Nonperforming Asset Ratio

credit_quality

Value: 0.04%

Peer Median: 0.64%

#534 of 2664 Top 20.0% in $100M-$1B

Top Weaknesses (1 metrics)

2167

Non-Interest-Bearing Deposit Share

funding

Value: 13.41%

Peer Median: 22.02%

#2167 of 2664 Bottom 18.7% in $100M-$1B