BlastPoint's Banking Scorecard

First State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 8522

Britt, IA

2 branches across IA

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

First State Bank has 4 strengths but faces 1 concern

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 27.53% below tier average
+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ ROA 0.10% above tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.03% below tier average

Get updates when First State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$125.9M +1.3% YoY -3.8% QoQ	-$260.2M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Bottom 7.8% in tier
Total Loans ?	$59.8M -8.2% YoY -1.3% QoQ	-$196.0M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Bottom 4.9% in tier
Total Deposits ?	$102.1M -0.5% YoY -4.9% QoQ	-$225.9M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Bottom 6.3% in tier
Return on Assets ?	1.37% -5.0% YoY +32.4% QoQ	+0.10%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	60%
Net Interest Margin ?	2.90% +0.0% YoY -0.4% QoQ	-1.03%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 8.6% in tier
Efficiency Ratio ?	37.76% +0.4% YoY +0.2% QoQ	-27.53%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 2.5% in tier
Delinquency Rate ?	0.00% -100.0% YoY	-0.89%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	58.53% -7.8% YoY +3.7% QoQ	-18.10%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	83%
Non-Interest-Bearing Deposit Share ?	16.53% +4.1% YoY +6.4% QoQ	-5.49%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.00% -100.0% YoY	-0.64%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	16.82% +1.2% YoY +0.6% QoQ	+0.99%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	76%
Non-Interest Income / Assets ?	0.06% +23.7% YoY -68.5% QoQ	-0.22%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	28%

Get Full Access to First State Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.89%

#1 of 2654 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.64%

#1 of 2664 Top 0.1% in $100M-$1B

Efficiency Ratio

profitability

Value: 37.76%

Peer Median: 65.29%

#67 of 2664 Top 2.5% in $100M-$1B

451

Loan-to-Deposit Ratio

liquidity

Value: 58.53%

Peer Median: 76.64%

#451 of 2664 Top 16.9% in $100M-$1B

628

Tier 1 Capital Ratio

capital

Value: 16.82%

Peer Median: 15.83%

#628 of 2664 Top 23.5% in $100M-$1B

Top Weaknesses (4 metrics)

2534

Total Loans

size

Value: $59.76M

Peer Median: $255.72M

#2534 of 2664 Bottom 4.9% in $100M-$1B

2496

Total Deposits

size

Value: $102.09M

Peer Median: $327.97M

#2496 of 2664 Bottom 6.3% in $100M-$1B

2458

Total Assets

size

Value: $125.88M

Peer Median: $386.08M

#2458 of 2664 Bottom 7.8% in $100M-$1B

2435

Net Interest Margin

profitability

Value: 2.90%

Peer Median: 3.93%

#2435 of 2664 Bottom 8.6% in $100M-$1B