BlastPoint's Banking Scorecard

American State Bank

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

Osceola, 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 +9.0% year over year ($282.8M on the books).
Delinquency rate 0.04%.
Return on assets 2.18%.
Efficiency ratio 49.33% vs a 64.48% peer average.
Loan-to-deposit ratio 87.05% vs a 77.95% peer average.

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

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

American State Bank shows strong momentum with 5 strengths and 9.3% 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

+ Revenue Diversifier: Top 40.1% in tier
+ Profitability Leader: Top 45.2% in tier
+ Net Interest Margin 0.18% above tier average
+ Efficiency Ratio 15.15% below tier average
+ Delinquency Rate 0.88% 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-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$360.8M +9.3% YoY +2.5% QoQ	-$25.8M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	56%
Total Loans ?	$246.2M +5.2% YoY +2.8% QoQ	-$12.1M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$282.8M +9.0% YoY +2.8% QoQ	-$43.9M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	52%
Return on Assets ?	2.18% +7.0% YoY +2.7% QoQ	+0.86%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 9.1% in tier
Net Interest Margin ?	4.17% +1.6% YoY +1.7% QoQ	+0.18%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	63%
Efficiency Ratio ?	49.33% -3.7% YoY -0.8% QoQ	-15.15%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	85%
Delinquency Rate ?	0.04% -62.2% YoY +103.4% QoQ	-0.88%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	81%
Loan-to-Deposit Ratio ?	87.05% -3.4% YoY +0.0% QoQ	+9.10%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	33%
Non-Interest-Bearing Deposit Share ?	12.96% -3.6% YoY -3.4% QoQ	-9.07%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	17%
Nonperforming Asset Ratio ?	0.03% -63.6% YoY -30.4% QoQ	-0.64%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	83%
Tier 1 Capital Ratio ?	11.11% +0.7% YoY -1.6% QoQ	-4.80%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	25%
Non-Interest Income / Assets ?	0.35% +1.8% YoY +95.4% QoQ	-0.22%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	79%

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	13.0% -0.5pp YoY -0.5pp QoQ	-9.2pp	22.1%	17.8%	22.2%	17%
Brokered Deposits	1.3% -0.1pp YoY 0.0pp QoQ	-6.5pp	7.9%	6.0%	8.5%	22%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	12.8% +0.4pp YoY +0.2pp QoQ	+1.2pp	11.6%	12.8%	12.5%	68%
CRE	18.0% -1.3pp YoY -1.5pp QoQ	-21.6pp	39.5%	28.3%	41.4%	15%
1-4 Family	22.5% +0.5pp YoY +0.3pp QoQ	-10.1pp	32.6%	23.0%	31.3%	35%
Consumer	5.1% -0.1pp YoY -0.1pp QoQ	+1.0pp	4.1%	2.9%	5.0%	78%

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	11.1% +0.1pp YoY -0.2pp QoQ	-1.1pp	12.2%	12.4%	12.6%	52%
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	40 +3 (+8.1%) YoY +3 (+8.1%) QoQ	-19	58	64	482	41%
Assets per Employee ($)	$9.0M +1.1% YoY -5.2% QoQ	+$1.5M	$7.5M	$8.9M	$8.8M	79%
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	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.0% -0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	1.0%	1.0%	9%
Allowance Coverage	31.78x +165.7% YoY -51.6% QoQ	+7.63x	24.15x	18.97x	20.23x	92%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	58%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	22.1% -0.6pp YoY +0.5pp QoQ	+9.9pp	12.2%	12.8%	11.6%	92%
Cost of Funds (YTD)	1.9% -0.1pp YoY 0.0pp QoQ	+0.2pp	1.7%	1.8%	1.7%	67%
Net Income ($, YTD)	$3.9M +15.5% YoY — QoQ	+$1.3M	$2.6M	$4.0M	$40.4M	79%

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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)

Revenue Diversifier

growth

#266 of 661 • Top 40.1% 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: 0.35%

(Tier: 0.57%, National: 0.66%)

but worse than tier avg

Return on Assets: 2.18%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

Profitability Leader

growth

#300 of 661 • Top 45.2% in tier

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

Why this signature

Return on Assets: 2.18%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank declining

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

242

Return on Assets

profitability

Value: 2.18%

Peer Median: 1.32%

#242 of 2643 Top 9.1% in $100M-$1B

409

Efficiency Ratio

profitability

Value: 49.33%

Peer Median: 64.48%

#409 of 2643 Top 15.4% in $100M-$1B

456

Nonperforming Asset Ratio

credit_quality

Value: 0.03%

Peer Median: 0.67%

#456 of 2643 Top 17.2% in $100M-$1B

495

Delinquency Rate

credit_quality

Value: 0.04%

Peer Median: 0.92%

#495 of 2633 Top 18.8% in $100M-$1B

553

Non-Interest Income / Assets

revenue_mix

Value: 0.35%

Peer Median: 0.57%

#553 of 2643 Top 20.9% in $100M-$1B

Top Weaknesses (2 metrics)

2185

Non-Interest-Bearing Deposit Share

funding

Value: 12.96%

Peer Median: 22.03%

#2185 of 2643 Bottom 17.4% in $100M-$1B

1993

Tier 1 Capital Ratio

capital

Value: 11.11%

Peer Median: 15.91%

#1993 of 2643 Bottom 24.6% in $100M-$1B