BlastPoint's Banking Scorecard
United Bank & Trust Co.
Marshalltown, IA
2 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 -0.5% year over year ($106.7M on the books).
- Delinquency rate 1.59%.
- Return on assets 1.24%.
- Efficiency ratio 59.04% vs a 64.48% peer average.
- Loan-to-deposit ratio 63.72% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
United Bank & Trust Co. has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 5.44% below tier average
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 38.6% in tier
- - ROA 0.08% below tier average
- - Net Interest Margin 0.42% below tier average
- - Delinquency Rate 0.67% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$120.1M
-1.0% YoY
+0.5% QoQ
|
-$266.4M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.8% in tier |
| Total Loans ? |
$68.0M
-5.9% YoY
-0.1% QoQ
|
-$190.3M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.7% in tier |
| Total Deposits ? |
$106.7M
-0.5% YoY
+0.9% QoQ
|
-$220.0M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 7.7% in tier |
| Return on Assets ? |
1.24%
+15.1% YoY
-3.8% QoQ
|
-0.08% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
3.57%
+15.6% YoY
+5.3% QoQ
|
-0.42% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
31% |
| Efficiency Ratio ? |
59.04%
-2.1% YoY
-0.8% QoQ
|
-5.44% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
1.59%
+6.1% YoY
-10.3% QoQ
|
+0.67% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
63.72%
-5.4% YoY
-1.0% QoQ
|
-14.24% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
78% |
| Non-Interest-Bearing Deposit Share ? |
15.05%
+6.1% YoY
+0.7% QoQ
|
-6.98% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.90%
+0.8% YoY
-10.9% QoQ
|
+0.23% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
16.47%
+8.3% YoY
+0.5% QoQ
|
+0.56% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.42%
+44.5% YoY
+187.2% QoQ
|
-0.14% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Top 12.9% in tier |
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 |
15.1%
+0.9pp YoY +0.1pp QoQ |
-7.1pp | 22.1% | 17.8% | 22.2% | 24% |
| 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 |
6.7%
-2.3pp YoY +0.4pp QoQ |
-4.8pp | 11.6% | 12.8% | 12.5% | 31% |
| CRE |
39.8%
+0.1pp YoY -2.0pp QoQ |
+0.3pp | 39.5% | 28.3% | 41.4% | 53% |
| 1-4 Family |
27.9%
+2.3pp YoY +2.5pp QoQ |
-4.8pp | 32.6% | 23.0% | 31.3% | 46% |
| Consumer |
0.7%
-0.3pp YoY -0.2pp QoQ |
-3.4pp | 4.1% | 2.9% | 5.0% | 22% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
16.5%
+1.3pp YoY +0.1pp QoQ |
-2.4pp | 18.8% | 15.4% | 19.7% | 61% |
| Leverage Ratio |
10.5%
+0.7pp YoY -0.1pp QoQ |
-1.7pp | 12.2% | 12.4% | 12.6% | 40% |
| Total Capital Ratio |
17.7%
+1.2pp YoY +0.1pp QoQ |
-2.2pp | 19.9% | 16.5% | 20.8% | 61% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
0 YoY 0 QoQ |
-43 | 58 | 64 | 482 | 5% |
| Assets per Employee ($) |
$7.5M
-1.0% YoY +0.5% QoQ |
-$9K | $7.5M | $8.9M | $8.8M | 61% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 5 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
1.6%
+0.1pp YoY -0.2pp QoQ |
+0.7pp | 0.9% | 1.0% | 1.0% | 83% |
| Allowance Coverage |
0.83x
-7.7% YoY +12.9% QoQ |
-23.32x | 24.15x | 18.97x | 20.23x | 22% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.7%
+0.3pp YoY -0.6pp QoQ |
+0.5pp | 12.2% | 12.8% | 11.6% | 54% |
| Cost of Funds (YTD) |
1.1%
-0.3pp YoY 0.0pp QoQ |
-0.6pp | 1.7% | 1.8% | 1.7% | 12% |
| Net Income ($, YTD) |
$752,000
+11.1% 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 (1)
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.