BlastPoint's Banking Scorecard
First Trust and Savings Bank
Wheatland, IA
8 branches across IA
First Trust and Savings Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.25% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 6.66% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.69% above tier average
- - Loan-to-Deposit Ratio 27.48% above tier average
- - Nonperforming Asset Ratio 1.59% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$314.9M
+11.5% YoY
+4.9% QoQ
|
-$71.2M |
$386.1M
+0.5% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
49% |
| Total Loans ? |
$272.6M
+8.7% YoY
+4.3% QoQ
|
+$16.9M |
$255.7M
+1.1% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
63% |
| Total Deposits ? |
$261.8M
+13.7% YoY
+3.5% QoQ
|
-$66.1M |
$328.0M
+0.1% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
47% |
| Return on Assets ? |
1.52%
+24.8% YoY
+29.7% QoQ
|
+0.25% |
1.27%
+12.9% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
4.01%
+6.2% YoY
+0.9% QoQ
|
+0.08% |
3.93%
+6.0% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
58% |
| Efficiency Ratio ? |
58.62%
-5.9% YoY
-2.9% QoQ
|
-6.66% |
65.29%
-4.5% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
64% |
| Delinquency Rate ? |
2.58%
+32.4% YoY
+8.1% QoQ
|
+1.69% |
0.89%
+18.8% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.8% in tier |
| Loan-to-Deposit Ratio ? |
104.12%
-4.4% YoY
+0.8% QoQ
|
+27.48% |
76.64%
+0.8% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 5.4% in tier |
| Non-Interest-Bearing Deposit Share ? |
16.59%
+6.5% YoY
-4.9% QoQ
|
-5.43% |
22.02%
-1.0% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
30% |
| Nonperforming Asset Ratio ? |
2.23%
+29.1% YoY
+7.5% QoQ
|
+1.59% |
0.64%
+19.7% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
Bottom 5.3% in tier |
| Tier 1 Capital Ratio ? |
10.49%
-0.5% YoY
-0.3% QoQ
|
-5.34% |
15.83%
+1.5% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
16% |
| Non-Interest Income / Assets ? |
0.07%
+6.7% YoY
-73.8% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
33% |
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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)
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Metric Rankings
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