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Iowa State Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 950

Algona, IA

5 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 +11.6% year over year ($378.9M on the books).
  • Delinquency rate 0.16%.
  • Return on assets 1.11%.
  • Efficiency ratio 59.05% vs a 64.48% peer average.
  • Loan-to-deposit ratio 79.17% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA
View $100M-$1B leaderboard (IA) →

Iowa State Bank has 2 strengths but faces 4 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

  • + Efficiency Ratio 5.42% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 0.2% in tier
  • - Credit Quality Pressure: Bottom 8.0% in tier
  • - ROA 0.21% below tier average
  • - Net Interest Margin 0.67% below tier average
Get updates when Iowa State Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $470.7M
+1.2% YoY -1.9% QoQ
+$84.2M $386.6M
+1.2% YoY
$566.2M
+5.8% YoY
$6.3B
+7.7% YoY
69%
Total Loans ? $300.0M
+1.2% YoY +0.9% QoQ
+$41.6M $258.3M
+1.7% YoY
$385.0M
+5.4% YoY
$3.2B
+9.4% YoY
67%
Total Deposits ? $378.9M
+11.6% YoY -1.5% QoQ
+$52.1M $326.7M
+0.7% YoY
$472.4M
+6.3% YoY
$4.9B
+7.3% YoY
67%
Return on Assets ? 1.11%
+49.4% YoY +17.3% QoQ
-0.21% 1.32%
+10.8% YoY
1.58%
+39.1% YoY
1.30%
+12.1% YoY
41%
Net Interest Margin ? 3.31%
+8.5% YoY +2.1% QoQ
-0.67% 3.99%
+5.0% YoY
3.58%
+9.0% YoY
3.95%
+4.9% YoY
20%
Efficiency Ratio ? 59.05%
-12.9% YoY -5.5% QoQ
-5.42% 64.48%
-3.2% YoY
57.74%
-6.0% YoY
70.05%
+2.5% YoY
60%
Delinquency Rate ? 0.16%
+1.2% YoY +25.0% QoQ
-0.76% 0.92%
+15.7% YoY
0.99%
+12.8% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 79.17%
-9.3% YoY +2.4% QoQ
+1.22% 77.95%
+1.0% YoY
80.39%
+2.7% YoY
79.03%
+2.3% YoY
51%
Non-Interest-Bearing Deposit Share ? 13.86%
-11.1% YoY -0.3% QoQ
-8.17% 22.03%
-0.6% YoY
17.72%
+0.8% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.10%
-31.3% YoY +28.6% QoQ
-0.57% 0.67%
+16.4% YoY
0.63%
+7.9% YoY
0.69%
+15.8% YoY
71%
Tier 1 Capital Ratio ? 15.83%
+1.9% YoY +0.9% QoQ
-0.08% 15.91%
+1.4% YoY
14.69%
+3.0% YoY
17.09%
+0.8% YoY
71%
Non-Interest Income / Assets ? 0.17%
+1.1% YoY +120.4% QoQ
-0.39% 0.57%
+7.6% YoY
0.24%
+5.5% YoY
0.66%
+5.2% YoY
42%

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 13.9%
-1.7pp YoY
0.0pp QoQ
 -8.3pp 22.1% 17.8% 22.2% 20%
Brokered Deposits 10.1%
+5.9pp YoY
+0.1pp QoQ
 +2.2pp 7.9% 6.0% 8.5% 75%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
C&I 4.8%
-1.0pp YoY
+0.1pp QoQ
 -6.7pp 11.6% 12.8% 12.5% 19%
CRE 28.8%
+0.6pp YoY
+0.5pp QoQ
 -10.7pp 39.5% 28.3% 41.4% 33%
1-4 Family 14.3%
+0.3pp YoY
-0.2pp QoQ
 -18.3pp 32.6% 23.0% 31.3% 18%
Consumer 1.8%
-0.4pp YoY
-0.1pp QoQ
 -2.3pp 4.1% 2.9% 5.0% 45%

Capital

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
CET1 Ratio 15.8%
+0.3pp YoY
+0.1pp QoQ
 -3.0pp 18.8% 15.4% 19.7% 56%
Leverage Ratio 11.2%
+0.2pp YoY
+0.1pp QoQ
 -1.0pp 12.2% 12.4% 12.6% 53%
Total Capital Ratio 17.0%
+0.3pp YoY
+0.1pp QoQ
 -2.9pp 19.9% 16.5% 20.8% 57%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Full-Time Employees 49
-1 (-2.0%) YoY
+1 (+2.1%) QoQ
 -10 58 64 482 52%
Assets per Employee ($) $9.6M
+3.3% YoY
-3.9% QoQ
 +$2.1M $7.5M $8.9M $8.8M 84%
Branch Count 5
0 YoY
0 QoQ
 0 4 5 18 55%

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 0.2%
0.0pp YoY
0.0pp QoQ
 -0.8pp 0.9% 1.0% 1.0% 25%
Allowance Coverage 8.71x
-1.8% YoY
-20.5% QoQ
 -15.44x 24.15x 18.97x 20.23x 80%
Net Charge-off Rate (YTD) -0.0%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 24%

Profitability

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
ROE 12.4%
+3.0pp YoY
+1.7pp QoQ
 +0.2pp 12.2% 12.8% 11.6% 52%
Cost of Funds (YTD) 2.2%
-0.3pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.8% 1.7% 79%
Net Income ($, YTD) $2.6M
+52.3% YoY
— QoQ
 +$65K $2.6M $4.0M $40.4M 64%

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)

Credit Risk Growth

risk
#3 of 936 • Bottom 0.2% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ

Credit Quality Pressure

risk
#101 of 1256 • Bottom 8.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.16%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2109
Net Interest Margin
profitability
Value: 3.31%
Peer Median: 3.99%
#2109 of 2643 Bottom 20.2% in $100M-$1B
2105
Non-Interest-Bearing Deposit Share
funding
Value: 13.86%
Peer Median: 22.03%
#2105 of 2643 Bottom 20.4% in $100M-$1B
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