BlastPoint's Banking Scorecard

State Central Bank

under $100M Specialty: Other IA FDIC cert 5820

Designations: ✓ Community bank

Bonaparte, IA

4 branches across IA

541 banks in the under $100M peer group nationally 33 in IA

State Central Bank demonstrates 5 strengths

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

+ Non-Interest Income / Assets 0.42% below tier average
+ ROA 0.75% above tier average
+ Net Interest Margin 1.08% above tier average
+ Efficiency Ratio 17.10% below tier average
+ Delinquency Rate 1.08% below tier average

Key Concerns

Areas that may need attention

No key concerns identified

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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 ?	$61.5M +2.0% YoY +1.1% QoQ	-$634K	$62.2M -0.6% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$34.5M +54.6% YoY +6.6% QoQ	+$276K	$34.2M -1.4% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	54%
Total Deposits ?	$47.9M -7.7% YoY -4.9% QoQ	-$3.9M	$51.7M -0.7% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	40%
Return on Assets ?	1.59% +32.5% YoY -45.5% QoQ	+0.75%	0.84% -2.3% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	80%
Net Interest Margin ?	4.94% -3.3% YoY -28.1% QoQ	+1.08%	3.86% +2.8% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Top 11.5% in tier
Efficiency Ratio ?	71.24% +1.4% YoY +24.2% QoQ	-17.10%	88.34% +0.3% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	0.29% -73.4% YoY +70.6% QoQ	-1.08%	1.37% +33.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	54%
Loan-to-Deposit Ratio ?	72.15% +67.5% YoY +12.1% QoQ	+7.93%	64.22% -0.7% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	40%
Non-Interest-Bearing Deposit Share ?	20.52% +20.9% YoY +8.2% QoQ	-3.19%	23.71% +0.3% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.16% -59.6% YoY +79.8% QoQ	-0.63%	0.79% +28.2% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	55%
Tier 1 Capital Ratio ?	16.10% +15.4% YoY +3.6% QoQ	-10.58%	26.68% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	55%
Non-Interest Income / Assets ?	0.25% +38.6% YoY -69.7% QoQ	-0.42%	0.67% +1.9% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 9.2% in tier

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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 (0)

No matched concern signatures this quarter

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 541 peers in under $100M

Top Strengths (3 metrics)

Non-Interest Income / Assets

revenue_mix

Value: 0.25%

Peer Median: 0.67%

#51 of 541 Top 9.2% in under $100M

Net Interest Margin

profitability

Value: 4.94%

Peer Median: 3.86%

#63 of 541 Top 11.5% in under $100M

109

Return on Assets

profitability

Value: 1.59%

Peer Median: 0.84%

#109 of 541 Top 20.0% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available