BlastPoint's Banking Scorecard
First National Bank, Ames, Iowa
Community
Specialty: Commercial
IA
FDIC cert 1545
Ames, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
First National Bank, Ames, Iowa faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 30% in Community
- - Net Interest Margin 1.15% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.1B
+0.2% YoY
+4.6% QoQ
|
-$282.6M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
56% |
| Total Loans ? |
$671.5M
-1.3% YoY
+0.1% QoQ
|
-$304.0M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
47% |
| Total Deposits ? |
$952.9M
-0.4% YoY
+4.2% QoQ
|
-$211.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
56% |
| Return on Assets ? |
0.91%
+94.4% YoY
+26.4% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.51%
+33.5% YoY
+4.2% QoQ
|
-1.15% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
62.00%
-21.4% YoY
-3.4% QoQ
|
-0.63% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
50% |
| Delinquency Rate ? |
1.45%
-11.8% YoY
-27.7% QoQ
|
+0.82% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
16% |
| Loan-to-Deposit Ratio ? |
70.47%
-0.8% YoY
-3.9% QoQ
|
-12.59% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
20.53%
-8.5% YoY
+5.6% QoQ
|
-0.52% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
0.88%
-13.1% YoY
-30.8% QoQ
|
+0.38% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
23% |
| Tier 1 Capital Ratio ? |
14.27%
+6.4% YoY
+2.4% QoQ
|
+4.02% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.66%
+19.9% YoY
+43.2% QoQ
|
-0.08% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
67% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Flatlined Growth
risk
#75 of 245 · Bottom 30% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
0.91%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
Net Interest Margin
metric
Bottom 6%
in Community
Why this stands out
Current:
2.51%
(Tier avg: 3.66%, National avg: 3.75%)
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
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.47% · Tier avg: 83.06%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.27% · Tier avg: 10.24%
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
56
56th pctile
Total Deposits
Current: $952.9M · Tier avg: $1.2B
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.53% · Tier avg: 21.05%
50
50th pctile
Efficiency Ratio
Current: 62.00% · Tier avg: 62.63%
47
47th pctile
Total Loans
Current: $671.5M · Tier avg: $975.5M
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
16
16th pctile
Delinquency Rate
Current: 1.45% · Tier avg: 0.63%
6
6th pctile
Net Interest Margin
Current: 2.51% · Tier avg: 3.66%
Top Weaknesses
6
6th pctile
Net Interest Margin
Current: 2.51% · Tier avg: 3.66%
16
16th pctile
Delinquency Rate
Current: 1.45% · Tier avg: 0.63%
23
23th pctile
Nonperforming Asset Ratio
Current: 0.88% · Tier avg: 0.50%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
47
47th pctile
Total Loans
Current: $671.5M · Tier avg: $975.5M
50
50th pctile
Efficiency Ratio
Current: 62.00% · Tier avg: 62.63%
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.53% · Tier avg: 21.05%
56
56th pctile
Total Assets
Current: $1.1B · Tier avg: $1.4B
56
56th pctile
Total Deposits
Current: $952.9M · Tier avg: $1.2B
67
67th pctile
Non-Interest Income / Assets
Current: 0.66% · Tier avg: 0.74%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.27% · Tier avg: 10.24%
80
80th pctile
Loan-to-Deposit Ratio
Current: 70.47% · Tier avg: 83.06%