BlastPoint's Banking Scorecard
Bank Iowa
Community
Specialty: Agricultural
IA
FDIC cert 14521
West Des Moines, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Bank 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
- - Credit Risk Growth: Bottom 33% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+12.3% YoY
+0.5% QoQ
|
+$1.0B |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
85% |
| Total Loans ? |
$1.8B
+8.4% YoY
+1.9% QoQ
|
+$788.6M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 14% in tier |
| Total Deposits ? |
$2.0B
+16.0% YoY
+0.1% QoQ
|
+$865.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 15% in tier |
| Return on Assets ? |
1.19%
+11.4% YoY
+2.4% QoQ
|
+0.02% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
3.42%
+12.6% YoY
+1.3% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
63.68%
-4.6% YoY
-0.9% QoQ
|
+1.05% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.39%
+1.8% YoY
-0.8% QoQ
|
+0.76% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
86.89%
-6.5% YoY
+1.8% QoQ
|
+3.83% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
56% |
| Non-Interest-Bearing Deposit Share ? |
15.90%
-11.6% YoY
+14.4% QoQ
|
-5.15% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
30% |
| Nonperforming Asset Ratio ? |
1.02%
-8.8% YoY
+0.7% QoQ
|
+0.52% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
19% |
| Tier 1 Capital Ratio ? |
10.55%
+2.5% YoY
+0.6% QoQ
|
+0.31% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.42%
-26.3% YoY
+37.5% QoQ
|
-0.32% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
38% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#214 of 642 · Bottom 33% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 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
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.89% · Tier avg: 83.06%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
45
45th pctile
Efficiency Ratio
Current: 63.68% · Tier avg: 62.63%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.55% · Tier avg: 10.24%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.90% · Tier avg: 21.05%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
Top Weaknesses
18
18th pctile
Delinquency Rate
Current: 1.39% · Tier avg: 0.63%
19
19th pctile
Nonperforming Asset Ratio
Current: 1.02% · Tier avg: 0.50%
30
30th pctile
Non-Interest-Bearing Deposit Share
Current: 15.90% · Tier avg: 21.05%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.55% · Tier avg: 10.24%
38
38th pctile
Non-Interest Income / Assets
Current: 0.42% · Tier avg: 0.74%
38
38th pctile
Net Interest Margin
Current: 3.42% · Tier avg: 3.66%
45
45th pctile
Efficiency Ratio
Current: 63.68% · Tier avg: 62.63%
55
55th pctile
Return on Assets
Current: 1.19% · Tier avg: 1.16%
56
56th pctile
Loan-to-Deposit Ratio
Current: 86.89% · Tier avg: 83.06%
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
86
86th pctile
Total Loans
Current: $1.8B · Tier avg: $975.5M