BlastPoint's Banking Scorecard
Central Bank
Community
Specialty: Commercial
IA
FDIC cert 15555
Storm Lake, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Central Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 25% in Community
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4% in Community
- - Credit Risk Growth: Bottom 4% in Community
- - Liquidity Strain: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.3B
+4.3% YoY
-0.3% QoQ
|
+$869.5M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
83% |
| Total Loans ? |
$1.9B
+2.8% YoY
+1.8% QoQ
|
+$964.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 12% in tier |
| Total Deposits ? |
$1.9B
+3.5% YoY
-0.4% QoQ
|
+$736.1M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
83% |
| Return on Assets ? |
0.79%
+54.5% YoY
+3.2% QoQ
|
-0.37% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
3.29%
+20.2% YoY
+2.7% QoQ
|
-0.37% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
30% |
| Efficiency Ratio ? |
73.07%
-7.4% YoY
-0.3% QoQ
|
+10.44% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
21% |
| Delinquency Rate ? |
0.06%
+48.0% YoY
-9.4% QoQ
|
-0.56% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 14% in tier |
| Loan-to-Deposit Ratio ? |
102.04%
-0.7% YoY
+2.2% QoQ
|
+18.98% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 10% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.49%
-1.8% YoY
+6.6% QoQ
|
-7.55% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
20% |
| Nonperforming Asset Ratio ? |
0.05%
+45.9% YoY
-7.6% QoQ
|
-0.44% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 15% in tier |
| Tier 1 Capital Ratio ? |
10.56%
+10.3% YoY
+0.2% QoQ
|
+0.31% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.80%
+10.4% YoY
+35.4% QoQ
|
+0.06% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (1)
Credit Quality Leader
growth
#94 of 371 · Top 25% in Community
Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
371 of 371 Community banks match
·
443 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Concerns (3)
Credit Quality Pressure
risk
#36 of 808 · Bottom 4% in Community
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.06%
(Tier: 0.63%, National: 0.66%)
808 of 808 Community banks match
·
961 nationally
→ Stable
+22 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#29 of 642 · Bottom 4% 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
Liquidity Strain
risk
#235 of 513 · Bottom 46% 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:
102.04%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 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
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
85
85th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.56% · Tier avg: 10.24%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
21
21th pctile
Efficiency Ratio
Current: 73.07% · Tier avg: 62.63%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.49% · Tier avg: 21.05%
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.04% · Tier avg: 83.06%
Top Weaknesses
10
10th pctile
Loan-to-Deposit Ratio
Current: 102.04% · Tier avg: 83.06%
20
20th pctile
Non-Interest-Bearing Deposit Share
Current: 13.49% · Tier avg: 21.05%
21
21th pctile
Efficiency Ratio
Current: 73.07% · Tier avg: 62.63%
24
24th pctile
Return on Assets
Current: 0.79% · Tier avg: 1.16%
30
30th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.66%
33
33th pctile
Tier 1 Capital Ratio
Current: 10.56% · Tier avg: 10.24%
77
77th pctile
Non-Interest Income / Assets
Current: 0.80% · Tier avg: 0.74%
83
83th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Assets
Current: $2.3B · Tier avg: $1.4B
85
85th pctile
Nonperforming Asset Ratio
Current: 0.05% · Tier avg: 0.50%
86
86th pctile
Delinquency Rate
Current: 0.06% · Tier avg: 0.63%
88
88th pctile
Total Loans
Current: $1.9B · Tier avg: $975.5M