BlastPoint's Banking Scorecard

First Heritage Bank

under $100M Specialty: Agricultural IA FDIC cert 4457

Designations: ✓ Community bank

Shenandoah, IA

2 branches across IA

541 banks in the under $100M peer group nationally 33 in IA

First Heritage Bank demonstrates 5 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

+ Delinquency Rate 1.37% below tier average
+ Nonperforming Asset Ratio 0.79% below tier average
+ ROA 1.02% above tier average
+ Net Interest Margin 0.46% above tier average
+ Efficiency Ratio 37.35% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$72.1M +3.3% YoY +3.1% QoQ	+$10.0M	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	60%
Total Loans ?	$52.9M +4.9% YoY -1.1% QoQ	+$18.7M	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$59.9M +2.1% YoY +3.3% QoQ	+$8.2M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	58%
Return on Assets ?	1.85% +40.6% YoY +20.2% QoQ	+1.02%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 12.6% in tier
Net Interest Margin ?	4.32% +21.6% YoY +9.0% QoQ	+0.46%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	69%
Efficiency Ratio ?	51.00% -13.9% YoY -9.6% QoQ	-37.35%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 10.7% in tier
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	88.31% +2.7% YoY -4.2% QoQ	+24.09%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	19.60% -1.7% YoY +3.6% QoQ	-4.12%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	37%
Nonperforming Asset Ratio ?	0.00%	-0.79%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	10.20% +12.9% YoY +3.5% QoQ	-16.49%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 7.8% in tier
Non-Interest Income / Assets ?	0.04% +19.8% YoY -72.9% QoQ	-0.63%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	28%

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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 541 peers in under $100M

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.79%

#1 of 541 Top 0.1% in under $100M

Efficiency Ratio

profitability

Value: 51.00%

Peer Median: 88.34%

#59 of 541 Top 10.7% in under $100M

Return on Assets

profitability

Value: 1.85%

Peer Median: 0.84%

#69 of 541 Top 12.6% in under $100M

106

Total Loans

size

Value: $52.92M

Peer Median: $34.25M

#106 of 541 Top 19.4% in under $100M

Top Weaknesses (2 metrics)

500

Tier 1 Capital Ratio

capital

Value: 10.20%

Peer Median: 26.68%

#500 of 541 Bottom 7.8% in under $100M

453

Loan-to-Deposit Ratio

liquidity

Value: 88.31%

Peer Median: 64.22%

#453 of 541 Bottom 16.5% in under $100M