BlastPoint's Banking Scorecard
West Iowa Bank
West Bend, IA
6 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 +38.2% year over year ($183.0M on the books).
- Delinquency rate 0.01%.
- Return on assets 1.25%.
- Efficiency ratio 54.69% vs a 64.48% peer average.
- Loan-to-deposit ratio 70.83% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
West Iowa Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 26.0% in tier
- + Efficiency Ratio 9.78% below tier average
Key Concerns
Areas that may need attention
- - Non-Interest Income / Assets 0.50% below tier average
- - ROA 0.07% below tier average
- - Net Interest Margin 0.50% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$222.1M
+33.8% YoY
+31.2% QoQ
|
-$164.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
31% |
| Total Loans ? |
$129.6M
+44.6% YoY
+38.1% QoQ
|
-$128.8M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
28% |
| Total Deposits ? |
$183.0M
+38.2% YoY
+34.0% QoQ
|
-$143.8M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
30% |
| Return on Assets ? |
1.25%
+8.1% YoY
-1.6% QoQ
|
-0.07% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
50% |
| Net Interest Margin ? |
3.48%
+3.7% YoY
-0.4% QoQ
|
-0.50% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
27% |
| Efficiency Ratio ? |
54.69%
-4.1% YoY
+0.7% QoQ
|
-9.78% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
73% |
| Delinquency Rate ? |
0.01%
-36.2% YoY
|
-0.91% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
Top 14.1% in tier |
| Loan-to-Deposit Ratio ? |
70.83%
+4.6% YoY
+3.0% QoQ
|
-7.12% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
19.75%
-13.2% YoY
-14.3% QoQ
|
-2.28% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
45% |
| Nonperforming Asset Ratio ? |
0.01%
-31.0% YoY
|
-0.66% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
Top 12.6% in tier |
| Tier 1 Capital Ratio ? |
11.89%
-25.9% YoY
-30.8% QoQ
|
-4.02% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
34% |
| Non-Interest Income / Assets ? |
0.06%
-23.6% YoY
+60.6% QoQ
|
-0.50% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
Bottom 8.0% 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 |
19.8%
-3.0pp YoY -3.3pp QoQ |
-2.4pp | 22.1% | 17.8% | 22.2% | 44% |
| 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 |
6.2%
-0.9pp YoY -1.7pp QoQ |
-5.4pp | 11.6% | 12.8% | 12.5% | 27% |
| CRE |
18.2%
+2.3pp YoY -2.7pp QoQ |
-21.4pp | 39.5% | 28.3% | 41.4% | 15% |
| 1-4 Family |
10.6%
-3.4pp YoY -2.5pp QoQ |
-22.0pp | 32.6% | 23.0% | 31.3% | 12% |
| Consumer |
1.4%
+0.2pp YoY -0.1pp QoQ |
-2.7pp | 4.1% | 2.9% | 5.0% | 38% |
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 |
11.9%
-4.2pp YoY -5.3pp QoQ |
-0.3pp | 12.2% | 12.4% | 12.6% | 63% |
| 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 |
23
+6 (+35.3%) YoY +6 (+35.3%) QoQ |
-36 | 58 | 64 | 482 | 15% |
| Assets per Employee ($) |
$9.7M
-1.1% YoY -3.0% QoQ |
+$2.1M | $7.5M | $8.9M | $8.8M | 84% |
| Branch Count |
6
+1 (+20.0%) YoY +1 (+20.0%) QoQ |
+1 | 4 | 5 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual | 0.0% | -0.9pp | 0.9% | 1.0% | 1.0% | 3% |
| Allowance Coverage |
120.92x
+35.9% YoY |
+96.76x | 24.15x | 18.97x | 20.23x | 97% |
| Net Charge-off Rate (YTD) |
-0.0%
-0.2pp YoY 0.0pp QoQ |
-0.2pp | 0.1% | 0.1% | 0.2% | 10% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
8.3%
+0.3pp YoY +0.6pp QoQ |
-3.9pp | 12.2% | 12.8% | 11.6% | 27% |
| Cost of Funds (YTD) |
1.4%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 29% |
| Net Income ($, YTD) |
$1.2M
+18.9% YoY — QoQ |
-$1.4M | $2.6M | $4.0M | $40.4M | 32% |
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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 (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.