BlastPoint's Banking Scorecard
First State Bank
Community
Specialty: Agricultural
IA
FDIC cert 15321
Webster City, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
First State Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 1% in Community
- + Revenue Diversifier: Top 16% in Community
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 3% in Community
- - Liquidity Strain: Bottom 10% in Community
- - Credit Quality Pressure: Bottom 22% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$626.7M
+6.1% YoY
-2.7% QoQ
|
-$764.8M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
18% |
| Total Loans ? |
$487.9M
+1.0% YoY
+2.5% QoQ
|
-$487.6M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$523.9M
+6.4% YoY
-3.9% QoQ
|
-$640.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.39%
+33.6% YoY
+27.8% QoQ
|
+0.23% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.05%
+15.9% YoY
+1.0% QoQ
|
-0.61% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
61.98%
-9.0% YoY
-8.8% QoQ
|
-0.65% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.16%
+246.4% YoY
+17.2% QoQ
|
-0.47% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
75% |
| Loan-to-Deposit Ratio ? |
93.13%
-5.1% YoY
+6.7% QoQ
|
+10.07% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
73% |
| Non-Interest-Bearing Deposit Share ? |
17.33%
-0.4% YoY
+10.1% QoQ
|
-3.71% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
36% |
| Nonperforming Asset Ratio ? |
0.13%
+229.9% YoY
+23.3% QoQ
|
-0.37% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
74% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.72%
+3.2% YoY
+69.8% QoQ
|
+0.98% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Credit Quality Leader
growth
#3 of 371 · Top 1% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank improving
Revenue Diversifier
growth
#61 of 371 · Top 16% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.72%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.39%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Concerns (3)
Credit Risk Growth
risk
#19 of 642 · Bottom 3% 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
Liquidity Strain
risk
#53 of 513 · Bottom 10% 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:
93.13%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
Credit Quality Pressure
risk
#177 of 808 · Bottom 22% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.16%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank declining
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
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
73
73th pctile
Loan-to-Deposit Ratio
Current: 93.13% · Tier avg: 83.06%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
51
51th pctile
Efficiency Ratio
Current: 61.98% · Tier avg: 62.63%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.33% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
29
29th pctile
Total Loans
Current: $487.9M · Tier avg: $975.5M
20
20th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
18
18th pctile
Total Assets
Current: $626.7M · Tier avg: $1.4B
17
17th pctile
Total Deposits
Current: $523.9M · Tier avg: $1.2B
Top Weaknesses
17
17th pctile
Total Deposits
Current: $523.9M · Tier avg: $1.2B
18
18th pctile
Total Assets
Current: $626.7M · Tier avg: $1.4B
20
20th pctile
Net Interest Margin
Current: 3.05% · Tier avg: 3.66%
29
29th pctile
Total Loans
Current: $487.9M · Tier avg: $975.5M
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
36
36th pctile
Non-Interest-Bearing Deposit Share
Current: 17.33% · Tier avg: 21.05%
51
51th pctile
Efficiency Ratio
Current: 61.98% · Tier avg: 62.63%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
73
73th pctile
Loan-to-Deposit Ratio
Current: 93.13% · Tier avg: 83.06%
74
74th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.50%
75
75th pctile
Delinquency Rate
Current: 0.16% · Tier avg: 0.63%
94
94th pctile
Non-Interest Income / Assets
Current: 1.72% · Tier avg: 0.74%