BlastPoint's Banking Scorecard
White State Bank
South English, IA
3 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 +10.5% year over year ($96.4M on the books).
- Delinquency rate 1.33%.
- Return on assets 1.62%.
- Efficiency ratio 43.38% vs a 64.48% peer average.
- Loan-to-deposit ratio 38.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
White State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 21.10% below tier average
- + ROA 0.30% above tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.45% below tier average
- - Delinquency Rate 0.41% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$109.0M
+10.2% YoY
+5.3% QoQ
|
-$277.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
Bottom 2.5% in tier |
| Total Loans ? |
$37.4M
+3.1% YoY
+4.1% QoQ
|
-$220.9M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
Bottom 1.2% in tier |
| Total Deposits ? |
$96.4M
+10.5% YoY
+5.8% QoQ
|
-$230.3M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.6% in tier |
| Return on Assets ? |
1.62%
+23.3% YoY
+9.5% QoQ
|
+0.30% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
72% |
| Net Interest Margin ? |
3.54%
+4.4% YoY
+2.3% QoQ
|
-0.45% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
29% |
| Efficiency Ratio ? |
43.38%
-8.5% YoY
-1.4% QoQ
|
-21.10% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
Top 7.0% in tier |
| Delinquency Rate ? |
1.33%
+36.0% QoQ
|
+0.41% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
21% |
| Loan-to-Deposit Ratio ? |
38.81%
-6.8% YoY
-1.7% QoQ
|
-39.14% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Top 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.91%
+23.1% YoY
+7.3% QoQ
|
+3.88% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.46%
+34.4% QoQ
|
-0.21% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
11.16%
-0.9% YoY
+0.4% QoQ
|
-4.75% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
25% |
| Non-Interest Income / Assets ? |
0.08%
-0.8% YoY
+77.0% QoQ
|
-0.49% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 11.4% 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 |
25.9%
+4.9pp YoY +1.8pp QoQ |
+3.8pp | 22.1% | 17.8% | 22.2% | 69% |
| 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 |
12.6%
-5.5pp YoY +0.5pp QoQ |
+1.1pp | 11.6% | 12.8% | 12.5% | 67% |
| CRE |
17.3%
+5.2pp YoY -0.6pp QoQ |
-22.3pp | 39.5% | 28.3% | 41.4% | 14% |
| 1-4 Family |
25.9%
+1.2pp YoY -0.5pp QoQ |
-6.7pp | 32.6% | 23.0% | 31.3% | 43% |
| Consumer |
5.0%
-0.9pp YoY -0.4pp QoQ |
+0.9pp | 4.1% | 2.9% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
11.2%
-0.1pp YoY 0.0pp QoQ |
-1.0pp | 12.2% | 12.4% | 12.6% | 53% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
11
0 YoY 0 QoQ |
-48 | 58 | 64 | 482 | 1% |
| Assets per Employee ($) |
$9.9M
+10.2% YoY +5.3% QoQ |
+$2.4M | $7.5M | $8.9M | $8.8M | 85% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.4% | +0.1pp | 0.3% | 0.4% | 0.4% | 78% |
| Nonaccrual |
0.9%
0.0pp QoQ |
0.0pp | 0.9% | 1.0% | 1.0% | 70% |
| Allowance Coverage |
1.33x
-29.2% QoQ |
-22.82x | 24.15x | 18.97x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 9% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+2.0pp YoY +1.4pp QoQ |
+2.3pp | 12.2% | 12.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
1.2%
-0.2pp YoY 0.0pp QoQ |
-0.5pp | 1.7% | 1.8% | 1.7% | 20% |
| Net Income ($, YTD) |
$860,000
+31.3% YoY — QoQ |
-$1.7M | $2.6M | $4.0M | $40.4M | 22% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.