BlastPoint's Banking Scorecard
VISIONBANK OF IOWA
Community
Specialty: Commercial
IA
FDIC cert 11763
Ames, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
VISIONBANK OF IOWA faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 27% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$898.5M
-0.3% YoY
-0.2% QoQ
|
-$492.9M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$759.0M
+0.2% YoY
-0.2% QoQ
|
-$216.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
54% |
| Total Deposits ? |
$755.0M
+0.5% YoY
+0.9% QoQ
|
-$409.6M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
43% |
| Return on Assets ? |
1.31%
+23.4% YoY
+3.6% QoQ
|
+0.15% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
64% |
| Net Interest Margin ? |
3.54%
+7.5% YoY
+0.6% QoQ
|
-0.13% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
43% |
| Efficiency Ratio ? |
62.22%
-6.3% YoY
-0.8% QoQ
|
-0.41% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
0.78%
+402.5% YoY
+91.0% QoQ
|
+0.15% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
100.53%
-0.2% YoY
-1.0% QoQ
|
+17.47% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.02%
-2.4% YoY
+1.0% QoQ
|
-4.03% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
35% |
| Nonperforming Asset Ratio ? |
0.66%
+405.5% YoY
+90.9% QoQ
|
+0.16% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
31% |
| Tier 1 Capital Ratio ? |
10.21%
+6.8% YoY
+1.7% QoQ
|
-0.03% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
31% |
| Non-Interest Income / Assets ? |
0.44%
+3.0% YoY
+44.3% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Liquidity Strain
risk
#138 of 513 · Bottom 27% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
100.53%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%
54
54th pctile
Total Loans
Current: $759.0M · Tier avg: $975.5M
50
50th pctile
Efficiency Ratio
Current: 62.22% · Tier avg: 62.63%
43
43th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
43
43th pctile
Total Deposits
Current: $755.0M · Tier avg: $1.2B
43
43th pctile
Total Assets
Current: $898.5M · Tier avg: $1.4B
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.02% · Tier avg: 21.05%
33
33th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.21% · Tier avg: 10.24%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.53% · Tier avg: 83.06%
Top Weaknesses
12
12th pctile
Loan-to-Deposit Ratio
Current: 100.53% · Tier avg: 83.06%
31
31th pctile
Nonperforming Asset Ratio
Current: 0.66% · Tier avg: 0.50%
31
31th pctile
Tier 1 Capital Ratio
Current: 10.21% · Tier avg: 10.24%
33
33th pctile
Delinquency Rate
Current: 0.78% · Tier avg: 0.63%
35
35th pctile
Non-Interest-Bearing Deposit Share
Current: 17.02% · Tier avg: 21.05%
41
41th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
43
43th pctile
Total Assets
Current: $898.5M · Tier avg: $1.4B
43
43th pctile
Total Deposits
Current: $755.0M · Tier avg: $1.2B
43
43th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.66%
50
50th pctile
Efficiency Ratio
Current: 62.22% · Tier avg: 62.63%
54
54th pctile
Total Loans
Current: $759.0M · Tier avg: $975.5M
64
64th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.16%