BlastPoint

BlastPoint's Banking Scorecard

The Citizens First National Bank of Storm Lake

$100M-$1B Specialty: Agricultural IA FDIC cert 4511

Storm Lake, IA

3 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 +0.0% year over year ($210.5M on the books).
  • Delinquency rate 0.03%.
  • Return on assets 2.50%.
  • Efficiency ratio 51.89% vs a 64.48% peer average.
  • Loan-to-deposit ratio 64.23% 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) →

The Citizens First National Bank of Storm Lake has 5 strengths but faces 1 concern

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

  • + Revenue Diversifier: Top 13.5% in tier
  • + Profitability Leader: Top 16.2% in tier
  • + Net Interest Margin 0.18% above tier average
  • + Efficiency Ratio 12.59% below tier average
  • + Delinquency Rate 0.89% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 25.2% in tier
Get updates when The Citizens First National Bank of Storm Lake releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $256.5M
+2.2% YoY +3.0% QoQ
-$130.1M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
38%
Total Loans ? $135.2M
-7.5% YoY -3.2% QoQ
-$123.1M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
30%
Total Deposits ? $210.5M
+0.0% YoY +2.2% QoQ
-$116.2M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
37%
Return on Assets ? 2.50%
+16.6% YoY -6.4% QoQ
+1.18% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
Top 4.7% in tier
Net Interest Margin ? 4.17%
+8.0% YoY -0.8% QoQ
+0.18% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 51.89%
-8.8% YoY +7.0% QoQ
-12.59% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
79%
Delinquency Rate ? 0.03%
-61.3% YoY -57.7% QoQ
-0.89% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
82%
Loan-to-Deposit Ratio ? 64.23%
-7.5% YoY -5.2% QoQ
-13.72% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
77%
Non-Interest-Bearing Deposit Share ? 17.84%
+0.9% YoY +11.7% QoQ
-4.19% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
36%
Nonperforming Asset Ratio ? 0.02%
-97.4% YoY -60.3% QoQ
-0.65% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
85%
Tier 1 Capital Ratio ? 27.33%
+16.7% YoY +7.3% QoQ
+11.42% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
Top 5.2% in tier
Non-Interest Income / Assets ? 0.57%
-7.4% YoY +100.7% QoQ
+0.01% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
Top 7.3% in tier

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 17.8%
+0.2pp YoY
+1.9pp QoQ
 -4.3pp 22.1% 17.8% 22.2% 35%
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 13.9%
-5.8pp YoY
-2.6pp QoQ
 +2.4pp 11.6% 12.8% 12.5% 72%
CRE 5.4%
-0.2pp YoY
-0.8pp QoQ
 -34.2pp 39.5% 28.3% 41.4% 1%
1-4 Family 11.4%
-0.1pp YoY
-0.1pp QoQ
 -21.3pp 32.6% 23.0% 31.3% 13%
Consumer 4.8%
-0.8pp YoY
-0.5pp QoQ
 +0.7pp 4.1% 2.9% 5.0% 76%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 27.3%
+3.9pp YoY
+1.8pp QoQ
 +8.5pp 18.8% 15.4% 19.7% 91%
Leverage Ratio 15.9%
+1.6pp YoY
+0.9pp QoQ
 +3.7pp 12.2% 12.4% 12.6% 90%
Total Capital Ratio 28.6%
+3.9pp YoY
+1.9pp QoQ
 +8.6pp 19.9% 16.5% 20.8% 91%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 46
-1 (-2.1%) YoY
-3 (-6.1%) QoQ
 -13 58 64 482 48%
Assets per Employee ($) $5.6M
+4.4% YoY
+9.7% QoQ
 -$1.9M $7.5M $8.9M $8.8M 24%
Branch Count 3
0 YoY
0 QoQ
 -2 4 5 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 32%
Nonaccrual n/a n/a 0.9% 1.0% 1.0% n/a
Allowance Coverage 57.33x
+185.3% YoY
+148.0% QoQ
 +33.17x 24.15x 18.97x 20.23x 95%
Net Charge-off Rate (YTD) -0.1%
-0.2pp YoY
0.0pp QoQ
 -0.3pp 0.1% 0.1% 0.2% 2%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 16.6%
+0.6pp YoY
-1.3pp QoQ
 +4.4pp 12.2% 12.8% 11.6% 76%
Cost of Funds (YTD) 1.1%
-0.2pp YoY
0.0pp QoQ
 -0.6pp 1.7% 1.8% 1.7% 16%
Net Income ($, YTD) $3.2M
+18.1% YoY
— QoQ
 +$632K $2.6M $4.0M $40.4M 72%

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 (2)

Revenue Diversifier

growth
#90 of 661 • Top 13.5% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.57%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 2.50%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#108 of 661 • Top 16.2% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature
Return on Assets: 2.50%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (1)

Liquidity Overhang

risk
#188 of 742 • Bottom 25.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 27.33%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 64.23%
(Tier: 77.95%, National: 79.03%)
better than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank improving

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

126
Return on Assets
profitability
Value: 2.50%
Peer Median: 1.32%
#126 of 2643 Top 4.7% in $100M-$1B
138
Tier 1 Capital Ratio
capital
Value: 27.33%
Peer Median: 15.91%
#138 of 2643 Top 5.2% in $100M-$1B
195
Non-Interest Income / Assets
revenue_mix
Value: 0.57%
Peer Median: 0.57%
#195 of 2643 Top 7.3% in $100M-$1B
408
Nonperforming Asset Ratio
credit_quality
Value: 0.02%
Peer Median: 0.67%
#408 of 2643 Top 15.4% in $100M-$1B
476
Delinquency Rate
credit_quality
Value: 0.03%
Peer Median: 0.92%
#476 of 2633 Top 18.0% in $100M-$1B
547
Efficiency Ratio
profitability
Value: 51.89%
Peer Median: 64.48%
#547 of 2643 Top 20.7% in $100M-$1B
598
Loan-to-Deposit Ratio
liquidity
Value: 64.23%
Peer Median: 77.95%
#598 of 2643 Top 22.6% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available
Powered by BlastPoint © 2026