BlastPoint's Banking Scorecard
Community Bank of Oelwein
Designations: ✓ Community bank
Oelwein, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
- Deposits -13.2% year over year ($75.0M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.09%.
- Efficiency ratio 58.12% vs a 119.40% peer average.
- Loan-to-deposit ratio 80.66% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Oelwein has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.10% above tier average
- + Efficiency Ratio 61.27% below tier average
- + Delinquency Rate 1.48% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.86% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$95.0M
-8.9% YoY
-4.4% QoQ
|
+$32.6M |
$62.4M
-0.0% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Top 6.5% in tier |
| Total Loans ? |
$60.5M
-13.6% YoY
-5.2% QoQ
|
+$25.6M |
$34.9M
-0.6% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Top 13.4% in tier |
| Total Deposits ? |
$75.0M
-13.2% YoY
-5.0% QoQ
|
+$23.4M |
$51.6M
-0.2% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
84% |
| Return on Assets ? |
1.09%
+37.8% YoY
+0.1% QoQ
|
+0.10% |
1.00%
+3.5% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
56% |
| Net Interest Margin ? |
3.06%
+20.8% YoY
+4.2% QoQ
|
-0.86% |
3.91%
+2.3% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
17% |
| Efficiency Ratio ? |
58.12%
-8.4% YoY
-0.5% QoQ
|
-61.27% |
119.40%
+49.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
76% |
| Delinquency Rate ? |
0.00%
-93.1% QoQ
|
-1.48% |
1.48%
+31.8% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
80.66%
-0.5% YoY
-0.3% QoQ
|
+6.45% |
74.21%
+12.6% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
29% |
| Non-Interest-Bearing Deposit Share ? |
9.63%
+38.6% YoY
+14.7% QoQ
|
-13.86% |
23.49%
+0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Bottom 14.6% in tier |
| Nonperforming Asset Ratio ? |
0.49%
-4.3% QoQ
|
-0.35% |
0.84%
+23.0% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
14.11%
+8.4% YoY
+3.2% QoQ
|
-13.02% |
27.13%
+3.0% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
41% |
| Non-Interest Income / Assets ? |
0.14%
+69.3% YoY
+69.2% QoQ
|
-1.24% |
1.38%
+6.3% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
54% |
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 |
9.6%
+2.7pp YoY +1.2pp QoQ |
-15.0pp | 24.6% | 17.8% | 22.2% | 10% |
| Brokered Deposits |
7.0%
-0.2pp YoY -0.3pp QoQ |
-2.8pp | 9.8% | 6.0% | 8.5% | 53% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
14.3%
-0.3pp YoY -1.8pp QoQ |
+0.9pp | 13.4% | 12.8% | 12.5% | 66% |
| CRE | n/a | n/a | 25.2% | 28.3% | 41.4% | n/a |
| 1-4 Family |
26.8%
+3.3pp YoY +1.7pp QoQ |
-8.1pp | 35.0% | 23.0% | 31.3% | 45% |
| Consumer |
3.0%
-0.1pp YoY +0.1pp QoQ |
-4.6pp | 7.7% | 2.9% | 5.0% | 32% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
14.1%
+1.1pp YoY +0.4pp QoQ |
-3.6pp | 17.7% | 12.4% | 12.6% | 63% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
10
0 YoY 0 QoQ |
-2 | 12 | 64 | 482 | 43% |
| Assets per Employee ($) |
$9.5M
-8.9% YoY -4.4% QoQ |
+$3.3M | $6.2M | $8.9M | $8.8M | 91% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.1pp QoQ |
-1.0pp | 1.0% | 0.4% | 0.4% | 2% |
| Nonaccrual | n/a | n/a | 1.7% | 1.0% | 1.0% | n/a |
| Allowance Coverage |
163.67x
+1396.8% QoQ |
+157.26x | 6.41x | 18.97x | 20.23x | 99% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
-0.1pp | 0.2% | 0.1% | 0.2% | 64% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.2%
+1.6pp YoY -0.1pp QoQ |
+1.8pp | 6.4% | 12.8% | 11.6% | 52% |
| Cost of Funds (YTD) |
2.2%
-0.4pp YoY -0.1pp QoQ |
+0.8pp | 1.4% | 1.8% | 1.7% | 87% |
| Net Income ($, YTD) |
$543,000
+28.1% YoY — QoQ |
+$225K | $317,817 | $4.0M | $40.4M | 78% |
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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.