BlastPoint's Banking Scorecard
First Iowa State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14930
Designations: ✓ Community bank
Albia, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First Iowa State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.93% 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 ? |
$380.3M
+3.9% YoY
+0.7% QoQ
|
+$162.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$277.9M
+11.6% YoY
+2.3% QoQ
|
+$138.8M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$340.3M
+4.4% YoY
+0.1% QoQ
|
+$156.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.84%
+2.7% YoY
-2.4% QoQ
|
+0.76% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 14% in tier |
| Net Interest Margin ? |
4.68%
+10.1% YoY
+1.9% QoQ
|
+0.83% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
84% |
| Efficiency Ratio ? |
48.80%
-9.8% YoY
-0.7% QoQ
|
-18.93% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
1.62%
+742.0% YoY
+9.9% QoQ
|
+0.98% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
81.67%
+6.8% YoY
+2.2% QoQ
|
+7.14% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
39% |
| Non-Interest-Bearing Deposit Share ? |
10.64%
-36.2% YoY
-2.4% QoQ
|
-11.75% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 13% in tier |
| Nonperforming Asset Ratio ? |
1.19%
+804.3% YoY
+11.5% QoQ
|
+0.73% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
16% |
| 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 ? |
0.37%
-1.4% YoY
+31.1% QoQ
|
-0.19% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
52% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.80%
(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
91
91th pctile
Efficiency Ratio
Current: 48.80% · Tier avg: 67.73%
89
89th pctile
Total Loans
Current: $277.9M · Tier avg: $139.2M
88
88th pctile
Total Deposits
Current: $340.3M · Tier avg: $183.7M
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
85
85th pctile
Total Assets
Current: $380.3M · Tier avg: $217.5M
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.67% · Tier avg: 74.53%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.64% · Tier avg: 22.39%
Top Weaknesses
13
13th pctile
Non-Interest-Bearing Deposit Share
Current: 10.64% · Tier avg: 22.39%
16
16th pctile
Nonperforming Asset Ratio
Current: 1.19% · Tier avg: 0.45%
17
17th pctile
Delinquency Rate
Current: 1.62% · Tier avg: 0.64%
39
39th pctile
Loan-to-Deposit Ratio
Current: 81.67% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest Income / Assets
Current: 0.37% · Tier avg: 0.56%
84
84th pctile
Net Interest Margin
Current: 4.68% · Tier avg: 3.85%
85
85th pctile
Total Assets
Current: $380.3M · Tier avg: $217.5M
86
86th pctile
Return on Assets
Current: 1.84% · Tier avg: 1.08%
88
88th pctile
Total Deposits
Current: $340.3M · Tier avg: $183.7M
89
89th pctile
Total Loans
Current: $277.9M · Tier avg: $139.2M
91
91th pctile
Efficiency Ratio
Current: 48.80% · Tier avg: 67.73%