BlastPoint's Banking Scorecard
Availa Bank
Community
Specialty: Agricultural
IA
FDIC cert 11771
Carroll, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Availa Bank 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
- - Deposit Outflow: Bottom 47% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.7B
+4.2% YoY
+0.5% QoQ
|
+$300.4M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
75% |
| Total Loans ? |
$1.2B
+5.5% YoY
+2.1% QoQ
|
+$176.0M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
73% |
| Total Deposits ? |
$1.4B
-1.6% YoY
-3.3% QoQ
|
+$185.6M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
73% |
| Return on Assets ? |
0.75%
+66.4% YoY
+6.4% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
2.88%
+21.0% YoY
+3.1% QoQ
|
-0.79% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
66.57%
-15.2% YoY
+1.2% QoQ
|
+3.94% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
36% |
| Delinquency Rate ? |
0.25%
-67.2% YoY
+42.4% QoQ
|
-0.37% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
85.28%
+7.3% YoY
+5.6% QoQ
|
+2.22% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
13.74%
-3.9% YoY
+6.3% QoQ
|
-7.30% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
21% |
| Nonperforming Asset Ratio ? |
0.17%
-67.0% YoY
+44.6% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? |
12.11%
+0.7% YoY
-0.3% QoQ
|
+1.86% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.28%
-6.1% YoY
+12.8% QoQ
|
-0.46% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
20% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Deposit Outflow
decline
#118 of 248 · Bottom 47% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
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
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.28% · Tier avg: 83.06%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
36
36th pctile
Efficiency Ratio
Current: 66.57% · Tier avg: 62.63%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.74% · Tier avg: 21.05%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
Top Weaknesses
13
13th pctile
Net Interest Margin
Current: 2.88% · Tier avg: 3.66%
20
20th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.74%
21
21th pctile
Non-Interest-Bearing Deposit Share
Current: 13.74% · Tier avg: 21.05%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
36
36th pctile
Efficiency Ratio
Current: 66.57% · Tier avg: 62.63%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.11% · Tier avg: 10.24%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.28% · Tier avg: 83.06%
65
65th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
73
73th pctile
Total Deposits
Current: $1.4B · Tier avg: $1.2B
73
73th pctile
Total Loans
Current: $1.2B · Tier avg: $975.5M
75
75th pctile
Total Assets
Current: $1.7B · Tier avg: $1.4B