BlastPoint's Banking Scorecard

West Iowa Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 9105

West Bend, IA

6 branches across IA

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

West Iowa Bank has 3 strengths but faces 3 concerns

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

+ Delinquency Rate 0.89% below tier average
+ Nonperforming Asset Ratio 0.64% below tier average
+ Efficiency Ratio 10.96% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 32.6% in tier
- Deposit Outflow: Bottom 46.0% in tier
- Net Interest Margin 0.43% below tier average

Get updates when West Iowa 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 ?	$169.3M -1.9% YoY -0.2% QoQ	-$216.8M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	19%
Total Loans ?	$93.9M +3.1% YoY -0.1% QoQ	-$161.9M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	17%
Total Deposits ?	$136.5M -2.2% YoY +3.7% QoQ	-$191.5M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	17%
Return on Assets ?	1.27% +11.3% YoY -13.1% QoQ	+0.00%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	54%
Net Interest Margin ?	3.50% +8.0% YoY +2.0% QoQ	-0.43%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	30%
Efficiency Ratio ?	54.33% -2.9% YoY +4.3% QoQ	-10.96%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	75%
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 ?	68.76% +5.3% YoY -3.6% QoQ	-7.88%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	69%
Non-Interest-Bearing Deposit Share ?	23.05% -1.9% YoY +4.8% QoQ	+1.03%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	59%
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 ?	17.18% +8.7% YoY +0.9% QoQ	+1.35%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	78%
Non-Interest Income / Assets ?	0.04% -1.1% YoY -90.7% QoQ	-0.24%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Bottom 12.6% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 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 (2)

Flatlined Growth

risk

#168 of 512 • Bottom 32.6% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.27%

(Tier: 1.27%, National: 1.23%)

better than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#234 of 506 • Bottom 46.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

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 (4 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

595

Tier 1 Capital Ratio

capital

Value: 17.18%

Peer Median: 15.83%

#595 of 2664 Top 22.3% in $100M-$1B

661

Efficiency Ratio

profitability

Value: 54.33%

Peer Median: 65.29%

#661 of 2664 Top 24.8% in $100M-$1B

Top Weaknesses (4 metrics)

2329

Non-Interest Income / Assets

revenue_mix

Value: 0.04%

Peer Median: 0.28%

#2329 of 2664 Bottom 12.6% in $100M-$1B

2205

Total Deposits

size

Value: $136.50M

Peer Median: $327.97M

#2205 of 2664 Bottom 17.3% in $100M-$1B

2200

Total Loans

size

Value: $93.85M

Peer Median: $255.72M

#2200 of 2664 Bottom 17.5% in $100M-$1B

2153

Total Assets

size

Value: $169.26M

Peer Median: $386.08M

#2153 of 2664 Bottom 19.2% in $100M-$1B