BlastPoint's Banking Scorecard
First State Bank
Lynnville, IA
7 branches across IA
First State Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 39.2% in tier
- + Net Interest Margin 0.19% above tier average
- + Efficiency Ratio 18.17% below tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 39.2% in tier
- - Non-Interest-Bearing Deposit Share 12.50% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$390.1M
+6.2% YoY
+3.1% QoQ
|
+$4.0M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
60% |
| Total Loans ? |
$281.2M
+12.8% YoY
+0.8% QoQ
|
+$25.4M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
64% |
| Total Deposits ? |
$312.2M
+8.2% YoY
+5.7% QoQ
|
-$15.8M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
57% |
| Return on Assets ? |
1.98%
+22.8% YoY
+10.5% QoQ
|
+0.71% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 12.9% in tier |
| Net Interest Margin ? |
4.12%
+15.8% YoY
+7.9% QoQ
|
+0.19% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
64% |
| Efficiency Ratio ? |
47.12%
-13.5% YoY
-5.7% QoQ
|
-18.17% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
Top 11.4% in tier |
| Delinquency Rate ? |
0.15%
-35.1% YoY
-0.1% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
90.06%
+4.2% YoY
-4.6% QoQ
|
+13.43% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
24% |
| Non-Interest-Bearing Deposit Share ? |
9.52%
-5.3% YoY
-6.6% QoQ
|
-12.50% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.8% in tier |
| Nonperforming Asset Ratio ? |
0.11%
-31.0% YoY
-2.3% QoQ
|
-0.53% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
70% |
| Tier 1 Capital Ratio ? |
9.46%
-13.4% YoY
-3.4% QoQ
|
-6.37% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 4.1% in tier |
| Non-Interest Income / Assets ? |
0.08%
+4.4% YoY
-72.8% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
40% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.