BlastPoint's Banking Scorecard

First Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 4519

Waverly, IA

8 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

First Bank has 3 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 0.19% above tier average
+ Efficiency Ratio 16.63% below tier average
+ Delinquency Rate 0.34% below tier average

Key Concerns

Areas that may need attention

- Liquidity Overhang: Bottom 37.5% in tier
- Credit Risk Growth: Bottom 38.9% in tier
- Net Interest Margin 0.19% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$747.7M +0.0% YoY +2.5% QoQ	+$361.6M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 10.4% in tier
Total Loans ?	$553.8M +5.8% YoY +3.6% QoQ	+$298.1M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 7.9% in tier
Total Deposits ?	$622.8M -0.8% YoY +4.0% QoQ	+$294.9M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 11.1% in tier
Return on Assets ?	1.46% +44.0% YoY +17.4% QoQ	+0.19%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	65%
Net Interest Margin ?	3.74% +14.4% YoY +6.9% QoQ	-0.19%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	48.66% -7.7% YoY -6.1% QoQ	-16.63%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 13.6% in tier
Delinquency Rate ?	0.55% +281.6% YoY -7.5% QoQ	-0.34%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	42%
Loan-to-Deposit Ratio ?	88.92% +6.7% YoY -0.3% QoQ	+12.28%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	26%
Non-Interest-Bearing Deposit Share ?	19.17% +4.2% YoY -3.5% QoQ	-2.85%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	41%
Nonperforming Asset Ratio ?	0.45% +341.4% YoY -7.7% QoQ	-0.19%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	41%
Tier 1 Capital Ratio ?	16.95% +3.3% YoY -0.5% QoQ	+1.12%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	77%
Non-Interest Income / Assets ?	0.09% +11.8% YoY -74.0% QoQ	-0.19%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	48%

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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 Overhang

risk

#278 of 739 • Bottom 37.5% 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: 16.95%

(Tier: 15.83%, National: 17.06%)

better than tier avg

Loan-to-Deposit Ratio: 88.92%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

739 of 739 Community banks match · 939 nationally

→ Stable +13 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#379 of 973 • Bottom 38.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

973 of 973 Community banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

211

Total Loans

size

Value: $553.80M

Peer Median: $255.72M

#211 of 2664 Top 7.9% in $100M-$1B

279

Total Assets

size

Value: $747.70M

Peer Median: $386.08M

#279 of 2664 Top 10.4% in $100M-$1B

297

Total Deposits

size

Value: $622.84M

Peer Median: $327.97M

#297 of 2664 Top 11.1% in $100M-$1B

363

Efficiency Ratio

profitability

Value: 48.66%

Peer Median: 65.29%

#363 of 2664 Top 13.6% in $100M-$1B

623

Tier 1 Capital Ratio

capital

Value: 16.95%

Peer Median: 15.83%

#623 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available