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Iowa State Bank

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

Algona, IA

5 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

Iowa State Bank has 2 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

  • + Efficiency Ratio 2.80% below tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - NIB Deposit Bleed: Bottom 70.2% in tier
  • - ROA 0.32% below tier average
  • - Net Interest Margin 0.69% below tier average
Get updates when Iowa State 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 ? $479.8M
+4.8% YoY +2.6% QoQ
+$93.7M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
70%
Total Loans ? $297.2M
+3.5% YoY +0.1% QoQ
+$41.5M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
67%
Total Deposits ? $384.6M
+10.2% YoY +2.8% QoQ
+$56.6M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
68%
Return on Assets ? 0.94%
+55.9% YoY +17.4% QoQ
-0.32% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
34%
Net Interest Margin ? 3.25%
+9.0% YoY +4.1% QoQ
-0.69% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
20%
Efficiency Ratio ? 62.49%
-13.9% YoY -7.3% QoQ
-2.80% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
52%
Delinquency Rate ? 0.12%
-48.8% YoY -40.4% QoQ
-0.76% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
71%
Loan-to-Deposit Ratio ? 77.28%
-6.1% YoY -2.7% QoQ
+0.64% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
52%
Non-Interest-Bearing Deposit Share ? 13.90%
-14.4% YoY +0.6% QoQ
-8.12% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
20%
Nonperforming Asset Ratio ? 0.08%
-61.4% YoY -68.3% QoQ
-0.56% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
74%
Tier 1 Capital Ratio ? 15.69%
-0.2% YoY -0.2% QoQ
-0.14% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
70%
Non-Interest Income / Assets ? 0.08%
-5.5% YoY -78.8% QoQ
-0.20% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
38%

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 (1)

NIB Deposit Bleed

decline
#140 of 198 • Bottom 70.2% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature
Noninterest-Bearing Deposit Share: 13.90%
(Tier: 22.02%, National: 22.01%)
worse than tier avg
198 of 198 Community banks match · 238 nationally
↓ Shrinking -31 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).
Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

2145
Net Interest Margin
profitability
Value: 3.25%
Peer Median: 3.93%
#2145 of 2664 Bottom 19.5% in $100M-$1B
2127
Non-Interest-Bearing Deposit Share
funding
Value: 13.90%
Peer Median: 22.02%
#2127 of 2664 Bottom 20.2% in $100M-$1B
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