BlastPoint's Banking Scorecard
Iowa State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 10497
Designations: ✓ Community bank
Sac City, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Iowa State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 19.19% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$204.6M
+4.4% YoY
+2.1% QoQ
|
-$12.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
53% |
| Total Loans ? |
$163.3M
+3.2% YoY
+2.4% QoQ
|
+$24.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
65% |
| Total Deposits ? |
$179.4M
+5.2% YoY
+2.1% QoQ
|
-$4.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
54% |
| Return on Assets ? |
1.75%
+26.1% YoY
-0.0% QoQ
|
+0.66% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
83% |
| Net Interest Margin ? |
3.34%
+14.8% YoY
+1.1% QoQ
|
-0.51% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
27% |
| Efficiency Ratio ? |
48.54%
-7.4% YoY
+0.8% QoQ
|
-19.19% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 8% in tier |
| Delinquency Rate ? |
0.21%
-67.6% YoY
-6.7% QoQ
|
-0.43% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
91.05%
-1.9% YoY
+0.2% QoQ
|
+16.52% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
79% |
| Non-Interest-Bearing Deposit Share ? |
18.55%
+9.2% YoY
+3.4% QoQ
|
-3.84% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.52%
+0.4% YoY
+193.7% QoQ
|
+0.07% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
36% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.34%
-0.6% YoY
+35.5% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
48.54%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
92
92th pctile
Efficiency Ratio
Current: 48.54% · Tier avg: 67.73%
83
83th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
79
79th pctile
Loan-to-Deposit Ratio
Current: 91.05% · Tier avg: 74.53%
65
65th pctile
Total Loans
Current: $163.3M · Tier avg: $139.2M
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
54
54th pctile
Total Deposits
Current: $179.4M · Tier avg: $183.7M
53
53th pctile
Total Assets
Current: $204.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
27
27th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.85%
Top Weaknesses
27
27th pctile
Net Interest Margin
Current: 3.34% · Tier avg: 3.85%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 18.55% · Tier avg: 22.39%
36
36th pctile
Nonperforming Asset Ratio
Current: 0.52% · Tier avg: 0.45%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Assets
Current: $204.6M · Tier avg: $217.5M
54
54th pctile
Total Deposits
Current: $179.4M · Tier avg: $183.7M
61
61th pctile
Delinquency Rate
Current: 0.21% · Tier avg: 0.64%
65
65th pctile
Total Loans
Current: $163.3M · Tier avg: $139.2M
79
79th pctile
Loan-to-Deposit Ratio
Current: 91.05% · Tier avg: 74.53%
83
83th pctile
Return on Assets
Current: 1.75% · Tier avg: 1.08%
92
92th pctile
Efficiency Ratio
Current: 48.54% · Tier avg: 67.73%