BlastPoint's Banking Scorecard

United Bank of Iowa

$1B-$10B Specialty: Agricultural IA FDIC cert 958

Designations: ✓ Community bank

Ida Grove, IA

38 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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
Deposits +3.8% year over year ($2.0B on the books).
Delinquency rate 0.26%.
Return on assets 1.29%.
Efficiency ratio 56.90% vs a 59.73% peer average.
Loan-to-deposit ratio 84.43% vs a 85.04% peer average.

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

885 banks in the $1B-$10B peer group nationally 27 in IA

View $1B-$10B leaderboard (IA) →

United Bank of Iowa 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 2.83% below tier average
+ Delinquency Rate 0.60% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 19.4% in tier
- ROA 0.10% below tier average
- Net Interest Margin 0.92% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$2.5B +3.3% YoY -1.5% QoQ	-$297.5M	$2.8B -0.6% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	62%
Total Loans ?	$1.7B +5.0% YoY +1.1% QoQ	-$309.7M	$2.0B -0.3% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	58%
Total Deposits ?	$2.0B +3.8% YoY -1.4% QoQ	-$360.4M	$2.3B -0.5% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	58%
Return on Assets ?	1.29% +23.4% YoY +3.2% QoQ	-0.10%	1.39% +17.0% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	53%
Net Interest Margin ?	2.95% +14.8% YoY +3.4% QoQ	-0.92%	3.87% +6.2% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Bottom 13.1% in tier
Efficiency Ratio ?	56.90% -6.5% YoY +0.0% QoQ	-2.83%	59.73% -12.6% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	58%
Delinquency Rate ?	0.26% -28.5% YoY -14.4% QoQ	-0.60%	0.87% +11.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	73%
Loan-to-Deposit Ratio ?	84.43% +1.2% YoY +2.5% QoQ	-0.60%	85.04% -0.1% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	17.52% +4.9% YoY -2.4% QoQ	-3.75%	21.27% -1.5% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	37%
Nonperforming Asset Ratio ?	0.18% -27.2% YoY -11.8% QoQ	-0.49%	0.67% +11.7% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	75%
Tier 1 Capital Ratio ?	10.34% +5.7% YoY -0.7% QoQ	-4.50%	14.84% -0.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	Bottom 8.8% in tier
Non-Interest Income / Assets ?	0.26% -8.1% YoY +102.4% QoQ	-0.27%	0.53% +2.5% 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	17.5% +0.8pp YoY -0.4pp QoQ	-3.8pp	21.4%	17.8%	22.2%	36%
Brokered Deposits	4.2% +0.2pp YoY 0.0pp QoQ	-5.2pp	9.5%	6.0%	8.5%	43%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	4.9% -0.2pp YoY +0.5pp QoQ	-9.1pp	14.0%	12.8%	12.5%	18%
CRE	4.3% +0.1pp YoY +0.1pp QoQ	-45.7pp	50.0%	28.3%	41.4%	0%
1-4 Family	11.1% +0.6pp YoY +0.2pp QoQ	-15.3pp	26.4%	23.0%	31.3%	20%
Consumer	2.9% -0.4pp YoY 0.0pp QoQ	-1.8pp	4.7%	2.9%	5.0%	73%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	15.6%	15.4%	19.7%	n/a
Leverage Ratio	10.3% +0.6pp YoY -0.1pp QoQ	-1.0pp	11.3%	12.4%	12.6%	46%
Total Capital Ratio	n/a	n/a	16.7%	16.5%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	300 +5 (+1.7%) YoY -2 (-0.7%) QoQ	-14	313	64	482	65%
Assets per Employee ($)	$8.3M +1.5% YoY -0.8% QoQ	-$2.2M	$10.5M	$8.9M	$8.8M	45%
Branch Count	38 +1 (+2.7%) YoY +1 (+2.7%) QoQ	+18	20	5	18	89%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	37%
Nonaccrual	0.2% -0.1pp YoY 0.0pp QoQ	-0.6pp	0.8%	1.0%	1.0%	26%
Allowance Coverage	5.26x +38.0% YoY +17.3% QoQ	-13.45x	18.71x	18.97x	20.23x	79%
Net Charge-off Rate (YTD)	-0.0% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.1%	0.2%	8%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	14.2% +1.3pp YoY +0.3pp QoQ	+1.7pp	12.6%	12.8%	11.6%	67%
Cost of Funds (YTD)	2.2% -0.3pp YoY 0.0pp QoQ	+0.3pp	1.9%	1.8%	1.7%	71%
Net Income ($, YTD)	$16.1M +26.8% YoY — QoQ	-$3.1M	$19.2M	$4.0M	$40.4M	62%

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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 (1)

Capital Thin

risk

#44 of 222 • Bottom 19.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.34%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | 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 885 peers in $1B-$10B

Top Strengths (1 metrics)

218

Nonperforming Asset Ratio

credit_quality

Value: 0.18%

Peer Median: 0.67%

#218 of 885 Top 24.5% in $1B-$10B

Top Weaknesses (2 metrics)

808

Tier 1 Capital Ratio

capital

Value: 10.34%

Peer Median: 14.84%

#808 of 885 Bottom 8.8% in $1B-$10B

770

Net Interest Margin

profitability

Value: 2.95%

Peer Median: 3.87%

#770 of 885 Bottom 13.1% in $1B-$10B