BlastPoint's Banking Scorecard
Iowa State Bank
Micro
Specialty: Commercial
IA
FDIC cert 15808
Designations: ✓ Community bank
Des Moines, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Iowa State Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 1.14% above 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 ? |
$467.0M
-0.6% YoY
+2.8% QoQ
|
+$249.5M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 4% in tier |
| Total Loans ? |
$261.9M
-4.0% YoY
-0.7% QoQ
|
+$122.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$380.7M
-0.4% YoY
+2.7% QoQ
|
+$197.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 5% in tier |
| Return on Assets ? |
1.77%
+33.1% YoY
-1.1% QoQ
|
+0.68% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
84% |
| Net Interest Margin ? |
3.30%
+8.9% YoY
+0.8% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
63.20%
-9.2% YoY
+1.3% QoQ
|
-4.53% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
58% |
| Delinquency Rate ? |
0.02%
+11.1% YoY
+0.8% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
68.80%
-3.6% YoY
-3.3% QoQ
|
-5.73% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
64% |
| Non-Interest-Bearing Deposit Share ? |
23.25%
-3.5% YoY
-2.2% QoQ
|
+0.86% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.01%
+7.4% YoY
-2.7% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
81% |
| 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 ? |
1.70%
+9.2% YoY
+33.0% QoQ
|
+1.14% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 4% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 4%
in Micro
Why this stands out
Current:
1.70%
(Tier avg: 0.56%, National avg: 0.65%)
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
96
96th pctile
Non-Interest Income / Assets
Current: 1.70% · Tier avg: 0.56%
96
96th pctile
Total Assets
Current: $467.0M · Tier avg: $217.5M
95
95th pctile
Total Deposits
Current: $380.7M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $261.9M · Tier avg: $139.2M
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.80% · Tier avg: 74.53%
58
58th pctile
Efficiency Ratio
Current: 63.20% · Tier avg: 67.73%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.25% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
Top Weaknesses
26
26th pctile
Net Interest Margin
Current: 3.30% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest-Bearing Deposit Share
Current: 23.25% · Tier avg: 22.39%
58
58th pctile
Efficiency Ratio
Current: 63.20% · Tier avg: 67.73%
64
64th pctile
Loan-to-Deposit Ratio
Current: 68.80% · Tier avg: 74.53%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
81
81th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
84
84th pctile
Return on Assets
Current: 1.77% · Tier avg: 1.08%
87
87th pctile
Total Loans
Current: $261.9M · Tier avg: $139.2M
95
95th pctile
Total Deposits
Current: $380.7M · Tier avg: $183.7M
96
96th pctile
Total Assets
Current: $467.0M · Tier avg: $217.5M
96
96th pctile
Non-Interest Income / Assets
Current: 1.70% · Tier avg: 0.56%