BlastPoint's Banking Scorecard
FNNB Bank
Newton, 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 +2.7% year over year ($89.3M on the books).
- Delinquency rate 0.56%.
- Return on assets 1.41%.
- Efficiency ratio 66.37% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.08% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
FNNB Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.56% above tier average
- + Delinquency Rate 0.36% below tier average
Key Concerns
Areas that may need attention
- - Efficiency Ratio 1.89% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.5M
+3.8% YoY
+4.6% QoQ
|
-$277.1M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.6% in tier |
| Total Loans ? |
$77.7M
+15.9% YoY
+7.2% QoQ
|
-$180.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.5% in tier |
| Total Deposits ? |
$89.3M
+2.7% YoY
+5.2% QoQ
|
-$237.5M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 2.4% in tier |
| Return on Assets ? |
1.41%
+56.6% YoY
+17.8% QoQ
|
+0.08% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
60% |
| Net Interest Margin ? |
4.55%
+17.7% YoY
+2.1% QoQ
|
+0.56% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
81% |
| Efficiency Ratio ? |
66.37%
-10.8% YoY
-6.1% QoQ
|
+1.89% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
38% |
| Delinquency Rate ? |
0.56%
-6.7% QoQ
|
-0.36% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
87.08%
+12.9% YoY
+2.0% QoQ
|
+9.13% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
33% |
| Non-Interest-Bearing Deposit Share ? |
32.63%
-5.5% YoY
-5.6% QoQ
|
+10.60% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
Top 13.2% in tier |
| Nonperforming Asset Ratio ? |
0.40%
-4.4% QoQ
|
-0.27% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
45% |
| Tier 1 Capital Ratio ? |
12.38%
-2.5% YoY
-2.7% QoQ
|
-3.53% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.13%
+31.3% YoY
+74.9% QoQ
|
-0.44% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
27% |
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 |
32.6%
-1.9pp YoY -1.9pp QoQ |
+10.5pp | 22.1% | 17.8% | 22.2% | 87% |
| Brokered Deposits |
6.7%
-0.2pp YoY -0.3pp QoQ |
-1.1pp | 7.9% | 6.0% | 8.5% | 62% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
20.1%
-1.6pp YoY -2.0pp QoQ |
+8.5pp | 11.6% | 12.8% | 12.5% | 88% |
| CRE |
39.0%
-5.3pp YoY -1.3pp QoQ |
-0.5pp | 39.5% | 28.3% | 41.4% | 51% |
| 1-4 Family |
19.5%
+2.7pp YoY +0.1pp QoQ |
-13.1pp | 32.6% | 23.0% | 31.3% | 29% |
| Consumer |
1.0%
-0.3pp YoY 0.0pp QoQ |
-3.1pp | 4.1% | 2.9% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.3pp YoY -0.3pp QoQ |
-6.4pp | 18.8% | 15.4% | 19.7% | 21% |
| Leverage Ratio |
9.7%
+0.7pp YoY -0.1pp QoQ |
-2.4pp | 12.2% | 12.4% | 12.6% | 26% |
| Total Capital Ratio |
13.4%
-0.3pp YoY -0.4pp QoQ |
-6.5pp | 19.9% | 16.5% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
-1 (-6.2%) YoY 0 QoQ |
-44 | 58 | 64 | 482 | 4% |
| Assets per Employee ($) |
$7.3M
+10.7% YoY +4.6% QoQ |
-$222K | $7.5M | $8.9M | $8.8M | 57% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 5 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | 0.6% | -0.4pp | 0.9% | 1.0% | 1.0% | 56% |
| Allowance Coverage |
1.88x
+1.9% QoQ |
-22.27x | 24.15x | 18.97x | 20.23x | 46% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY |
-0.2pp | 0.1% | 0.1% | 0.2% | 18% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.3%
+4.3pp YoY +2.7pp QoQ |
+4.1pp | 12.2% | 12.8% | 11.6% | 74% |
| Cost of Funds (YTD) |
1.0%
-0.2pp YoY 0.0pp QoQ |
-0.7pp | 1.7% | 1.8% | 1.7% | 10% |
| Net Income ($, YTD) |
$742,000
+56.5% YoY — QoQ |
-$1.8M | $2.6M | $4.0M | $40.4M | 18% |
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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.