BlastPoint's Banking Scorecard

First Bank Hampton

$100M-$1B Specialty: Agricultural IA FDIC cert 4464

Hampton, IA

2 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 -3.0% year over year ($208.2M on the books).
Delinquency rate 0.67%.
Return on assets 1.63%.
Efficiency ratio 46.67% vs a 64.48% peer average.
Loan-to-deposit ratio 94.98% 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) →

First Bank Hampton has 4 strengths but faces 3 concerns

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 0.31% above tier average
+ Net Interest Margin 0.36% above tier average
+ Efficiency Ratio 17.81% below tier average
+ Delinquency Rate 0.25% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 22.1% in tier
- Deposit Outflow: Bottom 39.1% in tier
- Non-Interest-Bearing Deposit Share 18.42% below tier average

Get updates when First Bank Hampton releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$240.9M -0.4% YoY -4.6% QoQ	-$145.7M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	35%
Total Loans ?	$197.7M +2.5% YoY -0.1% QoQ	-$60.6M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	47%
Total Deposits ?	$208.2M -3.0% YoY -6.4% QoQ	-$118.5M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	1.63% +5.8% YoY -14.8% QoQ	+0.31%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	4.35% +9.2% YoY +0.2% QoQ	+0.36%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	73%
Efficiency Ratio ?	46.67% -7.9% YoY +0.6% QoQ	-17.81%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 11.2% in tier
Delinquency Rate ?	0.67% -61.9% YoY -28.4% QoQ	-0.25%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	39%
Loan-to-Deposit Ratio ?	94.98% +5.6% YoY +6.8% QoQ	+17.03%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	16%
Non-Interest-Bearing Deposit Share ?	3.61% -0.8% YoY +7.0% QoQ	-18.42%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 2.5% in tier
Nonperforming Asset Ratio ?	0.55% -60.8% YoY -29.2% QoQ	-0.12%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	37%
Tier 1 Capital Ratio ?	11.61% +2.1% YoY +1.1% QoQ	-4.30%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	31%
Non-Interest Income / Assets ?	0.16% -12.1% YoY +149.0% QoQ	-0.41%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	37%

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	3.6% 0.0pp YoY +0.2pp QoQ	-18.5pp	22.1%	17.8%	22.2%	2%
Brokered Deposits	n/a	n/a	7.9%	6.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	20.3% -0.6pp YoY +0.6pp QoQ	+8.8pp	11.6%	12.8%	12.5%	89%
CRE	19.2% +4.1pp YoY +0.2pp QoQ	-20.3pp	39.5%	28.3%	41.4%	17%
1-4 Family	20.7% -1.1pp YoY +0.4pp QoQ	-11.9pp	32.6%	23.0%	31.3%	31%
Consumer	4.3% -0.5pp YoY 0.0pp QoQ	+0.2pp	4.1%	2.9%	5.0%	73%

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	11.6% +0.2pp YoY +0.1pp QoQ	-0.6pp	12.2%	12.4%	12.6%	60%
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	28 -1 (-3.4%) YoY -1 (-3.4%) QoQ	-31	58	64	482	24%
Assets per Employee ($)	$8.6M +3.2% YoY -1.2% QoQ	+$1.1M	$7.5M	$8.9M	$8.8M	75%
Branch Count	2 0 YoY 0 QoQ	-3	4	5	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.9pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.4%	0.4%	48%
Nonaccrual	0.6% -0.2pp YoY -0.1pp QoQ	-0.4pp	0.9%	1.0%	1.0%	56%
Allowance Coverage	2.94x +158.5% YoY +26.1% QoQ	-21.21x	24.15x	18.97x	20.23x	58%
Net Charge-off Rate (YTD)	1.0% +0.7pp YoY +1.0pp QoQ	+0.9pp	0.1%	0.1%	0.2%	97%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	14.9% -0.1pp YoY -2.9pp QoQ	+2.7pp	12.2%	12.8%	11.6%	67%
Cost of Funds (YTD)	1.6% -0.1pp YoY +0.1pp QoQ	-0.1pp	1.7%	1.8%	1.7%	46%
Net Income ($, YTD)	$2.0M +7.1% YoY — QoQ	-$554K	$2.6M	$4.0M	$40.4M	52%

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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 (2)

Liquidity Strain

risk

#154 of 691 • Bottom 22.1% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.98%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Deposit Outflow

decline

#210 of 535 • Bottom 39.1% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ

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 (1 metrics)

296

Efficiency Ratio

profitability

Value: 46.67%

Peer Median: 64.48%

#296 of 2643 Top 11.2% in $100M-$1B

Top Weaknesses (2 metrics)

2577

Non-Interest-Bearing Deposit Share

funding

Value: 3.61%

Peer Median: 22.03%

#2577 of 2643 Bottom 2.5% in $100M-$1B

2213

Loan-to-Deposit Ratio

liquidity

Value: 94.98%

Peer Median: 77.95%

#2213 of 2643 Bottom 16.3% in $100M-$1B