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

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

United Bank of Iowa has 2 strengths but faces 5 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 4.17% below tier average
+ Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 9.0% in tier
- Capital Thin: Bottom 12.7% in tier
- Credit Risk Growth: Bottom 16.2% in tier
- ROA 0.12% below tier average
- Net Interest Margin 0.97% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$2.5B +2.1% YoY +2.1% QoQ	-$282.2M	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	62%
Total Loans ?	$1.6B +5.4% YoY +1.0% QoQ	-$329.3M	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	58%
Total Deposits ?	$2.0B +1.5% YoY +2.1% QoQ	-$357.2M	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	59%
Return on Assets ?	1.25% +35.4% YoY +7.0% QoQ	-0.12%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	52%
Net Interest Margin ?	2.85% +16.2% YoY +7.5% QoQ	-0.97%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 12.3% in tier
Efficiency Ratio ?	56.89% -10.7% YoY -3.4% QoQ	-4.17%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	59%
Delinquency Rate ?	0.31% +0.5% YoY +9.2% QoQ	-0.58%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	82.35% +3.9% YoY -1.1% QoQ	-1.86%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	60%
Non-Interest-Bearing Deposit Share ?	17.96% -2.6% YoY -1.3% QoQ	-3.33%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.20% -0.1% YoY +7.0% QoQ	-0.47%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	73%
Tier 1 Capital Ratio ?	10.41% +6.2% YoY +3.3% QoQ	-4.75%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 7.7% in tier
Non-Interest Income / Assets ?	0.13% -1.0% YoY -79.7% QoQ	-0.13%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	43%

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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 (3)

Credit Quality Pressure

risk

#47 of 513 • Bottom 9.0% in tier

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

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ

Capital Thin

risk

#29 of 221 • Bottom 12.7% 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: 10.41%

(Tier: 15.16%, National: 17.06%)

worse than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#69 of 420 • Bottom 16.2% in tier

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

420 of 420 Mid-Market banks match · 1464 nationally

→ Stable -10 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).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

817

Tier 1 Capital Ratio

capital

Value: 10.41%

Peer Median: 15.16%

#817 of 884 Bottom 7.7% in $1B-$10B

776

Net Interest Margin

profitability

Value: 2.85%

Peer Median: 3.82%

#776 of 884 Bottom 12.3% in $1B-$10B