BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 5791

Belmond, IA

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

First State Bank has 1 strength but faces 4 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

+ Efficiency Ratio 11.55% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 42.9% in tier
- Net Interest Margin 1.77% below tier average
- ROA 0.51% below tier average
- Delinquency Rate 0.09% above 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 ?	$138.4M +4.3% YoY -6.9% QoQ	-$247.7M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 10.7% in tier
Total Loans ?	$63.6M +8.1% YoY -3.3% QoQ	-$192.2M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 5.7% in tier
Total Deposits ?	$116.6M +11.6% YoY +3.4% QoQ	-$211.3M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 11.0% in tier
Return on Assets ?	0.76% +75.0% YoY +20.2% QoQ	-0.51%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	24%
Net Interest Margin ?	2.16% +13.2% YoY +5.4% QoQ	-1.77%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 1.2% in tier
Efficiency Ratio ?	53.73% -24.8% YoY -14.5% QoQ	-11.55%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	77%
Delinquency Rate ?	0.98% +170.7% YoY +8.5% QoQ	+0.09%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	54.49% -3.2% YoY -6.5% QoQ	-22.15%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 13.1% in tier
Non-Interest-Bearing Deposit Share ?	11.91% -19.8% YoY -23.4% QoQ	-10.11%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 14.6% in tier
Nonperforming Asset Ratio ?	0.45% +180.4% YoY +12.7% QoQ	-0.19%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	40%
Tier 1 Capital Ratio ?	11.10% -3.2% YoY -1.9% QoQ	-4.73%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.11% +54.9% YoY -69.0% QoQ	-0.17%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	56%

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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 (1)

NIB Deposit Bleed

decline

#86 of 198 • Bottom 42.9% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 11.91%

(Tier: 22.02%, National: 22.01%)

worse than tier avg

198 of 198 Community banks match · 238 nationally

↓ Shrinking -31 banks QoQ

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 (2 metrics)

349

Loan-to-Deposit Ratio

liquidity

Value: 54.49%

Peer Median: 76.64%

#349 of 2664 Top 13.1% in $100M-$1B

619

Efficiency Ratio

profitability

Value: 53.73%

Peer Median: 65.29%

#619 of 2664 Top 23.2% in $100M-$1B

Top Weaknesses (7 metrics)

2632

Net Interest Margin

profitability

Value: 2.16%

Peer Median: 3.93%

#2632 of 2664 Bottom 1.2% in $100M-$1B

2514

Total Loans

size

Value: $63.55M

Peer Median: $255.72M

#2514 of 2664 Bottom 5.7% in $100M-$1B

2381

Total Assets

size

Value: $138.42M

Peer Median: $386.08M

#2381 of 2664 Bottom 10.7% in $100M-$1B

2372

Total Deposits

size

Value: $116.64M

Peer Median: $327.97M

#2372 of 2664 Bottom 11.0% in $100M-$1B

2275

Non-Interest-Bearing Deposit Share

funding

Value: 11.91%

Peer Median: 22.02%

#2275 of 2664 Bottom 14.6% in $100M-$1B

2026

Return on Assets

profitability

Value: 0.76%

Peer Median: 1.27%

#2026 of 2664 Bottom 24.0% in $100M-$1B

2020

Tier 1 Capital Ratio

capital

Value: 11.10%

Peer Median: 15.83%

#2020 of 2664 Bottom 24.2% in $100M-$1B