BlastPoint's Banking Scorecard
First Trust and Savings Bank
Wheatland, IA
8 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 +14.8% year over year ($271.6M on the books).
- Delinquency rate 3.25%.
- Return on assets 1.53%.
- Efficiency ratio 57.94% vs a 64.48% peer average.
- Loan-to-deposit ratio 100.77% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
First Trust and Savings Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.21% above tier average
- + Efficiency Ratio 6.54% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.33% above tier average
- - Loan-to-Deposit Ratio 22.82% above tier average
- - Nonperforming Asset Ratio 2.10% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$320.6M
+15.0% YoY
+1.8% QoQ
|
-$65.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$273.7M
+10.3% YoY
+0.4% QoQ
|
+$15.4M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
62% |
| Total Deposits ? |
$271.6M
+14.8% YoY
+3.7% QoQ
|
-$55.1M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
49% |
| Return on Assets ? |
1.53%
+16.8% YoY
+0.9% QoQ
|
+0.21% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
67% |
| Net Interest Margin ? |
4.02%
+2.7% YoY
+0.1% QoQ
|
+0.03% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
55% |
| Efficiency Ratio ? |
57.94%
-4.4% YoY
-1.2% QoQ
|
-6.54% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
64% |
| Delinquency Rate ? |
3.25%
+34.3% YoY
+26.0% QoQ
|
+2.33% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Bottom 5.5% in tier |
| Loan-to-Deposit Ratio ? |
100.77%
-4.0% YoY
-3.2% QoQ
|
+22.82% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 9.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.17%
-4.1% YoY
-8.5% QoQ
|
-6.86% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
25% |
| Nonperforming Asset Ratio ? |
2.77%
+28.8% YoY
+24.2% QoQ
|
+2.10% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 3.9% in tier |
| Tier 1 Capital Ratio ? |
10.70%
+0.9% YoY
+2.0% QoQ
|
-5.20% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
19% |
| Non-Interest Income / Assets ? |
0.14%
+0.6% YoY
+89.0% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
29% |
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 |
15.2%
-0.7pp YoY -1.4pp QoQ |
-7.0pp | 22.1% | 17.8% | 22.2% | 25% |
| Brokered Deposits |
4.4%
+3.7pp YoY +0.1pp QoQ |
-3.5pp | 7.9% | 6.0% | 8.5% | 47% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
11.3%
-0.7pp YoY 0.0pp QoQ |
-0.2pp | 11.6% | 12.8% | 12.5% | 60% |
| CRE |
11.3%
-1.2pp YoY +0.2pp QoQ |
-28.2pp | 39.5% | 28.3% | 41.4% | 6% |
| 1-4 Family |
18.0%
-0.3pp YoY +0.6pp QoQ |
-14.7pp | 32.6% | 23.0% | 31.3% | 26% |
| Consumer |
3.2%
-0.3pp YoY +0.2pp QoQ |
-0.9pp | 4.1% | 2.9% | 5.0% | 62% |
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 |
10.7%
+0.1pp YoY +0.2pp QoQ |
-1.5pp | 12.2% | 12.4% | 12.6% | 45% |
| 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 |
47
-3 (-6.0%) YoY 0 QoQ |
-12 | 58 | 64 | 482 | 49% |
| Assets per Employee ($) |
$6.8M
+22.3% YoY +1.8% QoQ |
-$696K | $7.5M | $8.9M | $8.8M | 49% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 5 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.8%
+0.8pp YoY +0.8pp QoQ |
+1.5pp | 0.3% | 0.4% | 0.4% | 96% |
| Nonaccrual |
1.5%
0.0pp YoY -0.2pp QoQ |
+0.5pp | 0.9% | 1.0% | 1.0% | 81% |
| Allowance Coverage |
0.38x
-27.5% YoY -19.1% QoQ |
-23.77x | 24.15x | 18.97x | 20.23x | 6% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 50% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
15.1%
+2.4pp YoY +0.2pp QoQ |
+2.9pp | 12.2% | 12.8% | 11.6% | 68% |
| Cost of Funds (YTD) |
2.3%
-0.1pp YoY 0.0pp QoQ |
+0.6pp | 1.7% | 1.8% | 1.7% | 83% |
| Net Income ($, YTD) |
$2.4M
+30.6% YoY — QoQ |
-$169K | $2.6M | $4.0M | $40.4M | 60% |
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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.