BlastPoint's Banking Scorecard

First Bank

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

Waverly, IA

8 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 +3.1% year over year ($619.8M on the books).
Delinquency rate 0.54%.
Return on assets 1.54%.
Efficiency ratio 47.98% vs a 64.48% peer average.
Loan-to-deposit ratio 90.04% 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) →

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 0.21% above tier average
+ Efficiency Ratio 16.50% below tier average
+ Delinquency Rate 0.38% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 26.0% in tier
- Liquidity Overhang: Bottom 35.4% in tier
- Net Interest Margin 0.17% below tier average

Get updates when First 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 ?	$739.9M +1.8% YoY -1.0% QoQ	+$353.3M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 10.4% in tier
Total Loans ?	$558.0M +7.0% YoY +0.8% QoQ	+$299.7M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 7.6% in tier
Total Deposits ?	$619.8M +3.1% YoY -0.5% QoQ	+$293.0M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 10.9% in tier
Return on Assets ?	1.54% +29.9% YoY +5.5% QoQ	+0.21%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	67%
Net Interest Margin ?	3.82% +14.1% YoY +2.0% QoQ	-0.17%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	43%
Efficiency Ratio ?	47.98% -5.6% YoY -1.4% QoQ	-16.50%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 12.9% in tier
Delinquency Rate ?	0.54% -8.5% YoY -1.5% QoQ	-0.38%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	44%
Loan-to-Deposit Ratio ?	90.04% +3.8% YoY +1.3% QoQ	+12.09%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	26%
Non-Interest-Bearing Deposit Share ?	17.93% -0.3% YoY -6.5% QoQ	-4.10%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	36%
Nonperforming Asset Ratio ?	0.45% +5.2% YoY +0.3% QoQ	-0.22%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	42%
Tier 1 Capital Ratio ?	17.38% +2.9% YoY +2.5% QoQ	+1.47%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.20% +16.6% YoY +118.1% QoQ	-0.36%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	51%

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	17.9% -0.1pp YoY -1.2pp QoQ	-4.2pp	22.1%	17.8%	22.2%	36%
Brokered Deposits	0.8% +0.7pp YoY -0.5pp QoQ	-7.0pp	7.9%	6.0%	8.5%	16%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	10.1% -1.8pp YoY 0.0pp QoQ	-1.4pp	11.6%	12.8%	12.5%	53%
CRE	25.3% +1.5pp YoY +0.9pp QoQ	-14.2pp	39.5%	28.3%	41.4%	27%
1-4 Family	22.1% -0.1pp YoY +0.3pp QoQ	-10.5pp	32.6%	23.0%	31.3%	35%
Consumer	1.3% +0.1pp YoY 0.0pp QoQ	-2.8pp	4.1%	2.9%	5.0%	35%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	17.4% +0.5pp YoY +0.4pp QoQ	-1.4pp	18.8%	15.4%	19.7%	66%
Leverage Ratio	12.7% +1.0pp YoY +0.2pp QoQ	+0.5pp	12.2%	12.4%	12.6%	72%
Total Capital Ratio	18.6% +0.6pp YoY +0.4pp QoQ	-1.3pp	19.9%	16.5%	20.8%	66%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	81 +1 (+1.2%) YoY +1 (+1.2%) QoQ	+22	58	64	482	77%
Assets per Employee ($)	$9.1M +0.5% YoY -2.3% QoQ	+$1.6M	$7.5M	$8.9M	$8.8M	80%
Branch Count	8 0 YoY 0 QoQ	+3	4	5	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.1pp YoY 0.0pp QoQ	+0.1pp	0.3%	0.4%	0.4%	79%
Nonaccrual	0.1% -0.2pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	22%
Allowance Coverage	2.28x +16.4% YoY +4.1% QoQ	-21.87x	24.15x	18.97x	20.23x	51%
Net Charge-off Rate (YTD)	0.0% 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	35%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	12.1% +1.7pp YoY +0.5pp QoQ	-0.1pp	12.2%	12.8%	11.6%	50%
Cost of Funds (YTD)	1.8% -0.1pp YoY 0.0pp QoQ	+0.1pp	1.7%	1.8%	1.7%	57%
Net Income ($, YTD)	$5.7M +30.4% YoY — QoQ	+$3.1M	$2.6M	$4.0M	$40.4M	90%

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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 Strain

risk

#181 of 691 • Bottom 26.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.04%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Liquidity Overhang

risk

#264 of 742 • Bottom 35.4% 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: 17.38%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 90.04%

(Tier: 77.95%, National: 79.03%)

worse 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).

Compare against:

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

Top Strengths (5 metrics)

203

Total Loans

size

Value: $558.04M

Peer Median: $258.35M

#203 of 2643 Top 7.6% in $100M-$1B

277

Total Assets

size

Value: $739.90M

Peer Median: $386.57M

#277 of 2643 Top 10.4% in $100M-$1B

288

Total Deposits

size

Value: $619.77M

Peer Median: $326.73M

#288 of 2643 Top 10.9% in $100M-$1B

343

Efficiency Ratio

profitability

Value: 47.98%

Peer Median: 64.48%

#343 of 2643 Top 12.9% in $100M-$1B

574

Tier 1 Capital Ratio

capital

Value: 17.38%

Peer Median: 15.91%

#574 of 2643 Top 21.7% in $100M-$1B

Top Weaknesses (0 metrics)

No weakness rankings available