BlastPoint's Banking Scorecard

Logan State Bank

under $100M Specialty: Agricultural IA FDIC cert 4476

Designations: ✓ Community bank

Logan, 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 536 banks in the under $100M peer group nationwide — 1 of 32 in IA.
Deposits +7.8% year over year ($83.6M on the books).
Delinquency rate 0.35%.
Return on assets 1.35%.
Efficiency ratio 64.57% vs a 119.40% peer average.
Loan-to-deposit ratio 92.85% vs a 74.21% peer average.

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

536 banks in the under $100M peer group nationally 32 in IA

View under $100M leaderboard (IA) →

Logan State Bank shows strong momentum with 4 strengths and 7.8% 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

+ ROA 0.35% above tier average
+ Net Interest Margin 0.17% above tier average
+ Efficiency Ratio 54.83% below tier average
+ Delinquency Rate 1.13% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

Get updates when Logan 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 ?	$92.2M +7.8% YoY +1.8% QoQ	+$29.7M	$62.4M -0.0% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 11.0% in tier
Total Loans ?	$77.6M +2.5% YoY -1.2% QoQ	+$42.7M	$34.9M -0.6% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 2.1% in tier
Total Deposits ?	$83.6M +7.8% YoY +1.6% QoQ	+$31.9M	$51.6M -0.2% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 5.2% in tier
Return on Assets ?	1.35% +8.1% YoY +12.7% QoQ	+0.35%	1.00% +3.5% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	70%
Net Interest Margin ?	4.09% +1.3% YoY +0.8% QoQ	+0.17%	3.91% +2.3% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	60%
Efficiency Ratio ?	64.57% -3.2% YoY -3.4% QoQ	-54.83%	119.40% +49.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	65%
Delinquency Rate ?	0.35% -3.2% YoY -34.3% QoQ	-1.13%	1.48% +31.8% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	54%
Loan-to-Deposit Ratio ?	92.85% -4.9% YoY -2.7% QoQ	+18.64%	74.21% +12.6% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 14.7% in tier
Non-Interest-Bearing Deposit Share ?	18.21% +0.7% YoY +8.0% QoQ	-5.28%	23.49% +0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	33%
Nonperforming Asset Ratio ?	0.30% -7.9% YoY -36.2% QoQ	-0.54%	0.84% +23.0% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	49%
Tier 1 Capital Ratio ?	12.53% +2.8% YoY +4.9% QoQ	-14.60%	27.13% +3.0% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.13% -5.6% YoY +107.2% QoQ	-1.25%	1.38% +6.3% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	50%

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	18.2% +0.1pp YoY +1.3pp QoQ	-6.4pp	24.6%	17.8%	22.2%	30%
Brokered Deposits	n/a	n/a	9.8%	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	6.7% +0.4pp YoY -0.2pp QoQ	-6.7pp	13.4%	12.8%	12.5%	31%
CRE	n/a	n/a	25.2%	28.3%	41.4%	n/a
1-4 Family	20.9% +3.0pp YoY +0.5pp QoQ	-14.0pp	35.0%	23.0%	31.3%	38%
Consumer	2.9% -0.9pp YoY -0.1pp QoQ	-4.8pp	7.7%	2.9%	5.0%	30%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	12.5% +0.3pp YoY +0.6pp QoQ	-26.2pp	38.7%	15.4%	19.7%	9%
Leverage Ratio	9.1% +0.2pp YoY 0.0pp QoQ	-8.6pp	17.7%	12.4%	12.6%	9%
Total Capital Ratio	13.6% +0.4pp YoY +0.6pp QoQ	-26.0pp	39.7%	16.5%	20.8%	9%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	12 0 YoY 0 QoQ	-0	12	64	482	56%
Assets per Employee ($)	$7.7M +7.8% YoY +1.8% QoQ	+$1.5M	$6.2M	$8.9M	$8.8M	75%
Branch Count	2 0 YoY 0 QoQ	+0	1	5	18	63%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% 0.0pp YoY 0.0pp QoQ	-0.6pp	1.0%	0.4%	0.4%	47%
Nonaccrual	n/a	n/a	1.7%	1.0%	1.0%	n/a
Allowance Coverage	2.65x +10.4% YoY +56.0% QoQ	-3.76x	6.41x	18.97x	20.23x	68%
Net Charge-off Rate (YTD)	n/a	n/a	0.2%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	15.2% +1.0pp YoY +1.7pp QoQ	+8.8pp	6.4%	12.8%	11.6%	85%
Cost of Funds (YTD)	2.0% -0.1pp YoY 0.0pp QoQ	+0.6pp	1.4%	1.8%	1.7%	83%
Net Income ($, YTD)	$605,000 +16.1% YoY — QoQ	+$287K	$317,817	$4.0M	$40.4M	83%

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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 536 peers in under $100M

Top Strengths (3 metrics)

Total Loans

size

Value: $77.59M

Peer Median: $34.89M

#12 of 536 Top 2.1% in under $100M

Total Deposits

size

Value: $83.56M

Peer Median: $51.62M

#29 of 536 Top 5.2% in under $100M

Total Assets

size

Value: $92.18M

Peer Median: $62.44M

#60 of 536 Top 11.0% in under $100M

Top Weaknesses (1 metrics)

458

Loan-to-Deposit Ratio

liquidity

Value: 92.85%

Peer Median: 74.21%

#458 of 536 Bottom 14.7% in under $100M