BlastPoint's Banking Scorecard
The Citizens First National Bank of Storm Lake
Storm Lake, IA
3 branches across IA
The Citizens First National Bank of Storm Lake has 5 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 3.3% in tier
- + Profitability Leader: Top 9.8% in tier
- + Revenue Diversifier: Top 13.4% in tier
- + Net Interest Margin 0.28% above tier average
- + Efficiency Ratio 16.80% below tier average
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 8.6% in tier
- - Liquidity Overhang: Bottom 26.9% in tier
- - Deposit Outflow: Bottom 28.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$248.9M
-1.9% YoY
-4.3% QoQ
|
-$137.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
37% |
| Total Loans ? |
$139.6M
-3.0% YoY
-3.4% QoQ
|
-$116.1M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$206.0M
-4.0% YoY
-5.4% QoQ
|
-$121.9M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
36% |
| Return on Assets ? |
2.67%
+29.8% YoY
+1.0% QoQ
|
+1.40% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 3.5% in tier |
| Net Interest Margin ? |
4.21%
+11.4% YoY
+2.4% QoQ
|
+0.28% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
69% |
| Efficiency Ratio ? |
48.48%
-14.8% YoY
-6.2% QoQ
|
-16.80% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 13.2% in tier |
| Delinquency Rate ? |
0.08%
+80.5% YoY
-0.3% QoQ
|
-0.81% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
76% |
| Loan-to-Deposit Ratio ? |
67.75%
+1.0% YoY
+2.1% QoQ
|
-8.88% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
71% |
| Non-Interest-Bearing Deposit Share ? |
15.96%
-2.7% YoY
-24.5% QoQ
|
-6.06% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.04%
+78.4% YoY
+0.7% QoQ
|
-0.60% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
79% |
| Tier 1 Capital Ratio ? |
25.48%
+13.2% YoY
+1.3% QoQ
|
+9.65% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Top 6.1% in tier |
| Non-Interest Income / Assets ? |
0.29%
+3.4% YoY
-80.3% QoQ
|
+0.01% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
Top 7.1% in tier |
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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 (3)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Revenue Diversifier
growthTop-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Concerns (3)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.