BlastPoint's Banking Scorecard
Iowa State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 15947
Designations: ✓ Community bank
Clarksville, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Iowa State Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 18.76% below tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.85% above tier
- - Nonperforming Asset Ratio 1.98% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$375.9M
+3.8% YoY
+1.3% QoQ
|
+$158.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
84% |
| Total Loans ? |
$262.1M
+2.4% YoY
-0.8% QoQ
|
+$122.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$329.5M
+2.8% YoY
+1.7% QoQ
|
+$145.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 13% in tier |
| Return on Assets ? |
1.67%
+67.2% YoY
-2.4% QoQ
|
+0.59% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.12%
+21.6% YoY
+0.3% QoQ
|
-0.74% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
19% |
| Efficiency Ratio ? |
48.97%
+0.1% YoY
+3.0% QoQ
|
-18.76% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 9% in tier |
| Delinquency Rate ? |
3.49%
+11.2% YoY
-10.1% QoQ
|
+2.85% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
79.54%
-0.4% YoY
-2.4% QoQ
|
+5.01% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
44% |
| Non-Interest-Bearing Deposit Share ? |
9.38%
-1.0% YoY
+6.3% QoQ
|
-13.01% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
2.43%
+9.6% YoY
-11.9% QoQ
|
+1.98% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
14.69%
+6.3% YoY
-0.7% QoQ
|
+5.84% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
71% |
| Non-Interest Income / Assets ? |
0.28%
+17.5% YoY
+51.6% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
48.97%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.49%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.43%
(Tier avg: 0.45%, National avg: 0.48%)
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: 48.97% · Tier avg: 67.73%
87
87th pctile
Total Loans
Current: $262.1M · Tier avg: $139.2M
87
87th pctile
Total Deposits
Current: $329.5M · Tier avg: $183.7M
84
84th pctile
Total Assets
Current: $375.9M · Tier avg: $217.5M
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 8.85%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.54% · Tier avg: 74.53%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
19
19th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.38% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 3.49% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.43% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.43% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.49% · Tier avg: 0.64%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.38% · Tier avg: 22.39%
19
19th pctile
Net Interest Margin
Current: 3.12% · Tier avg: 3.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
44
44th pctile
Loan-to-Deposit Ratio
Current: 79.54% · Tier avg: 74.53%
71
71th pctile
Tier 1 Capital Ratio
Current: 14.69% · Tier avg: 8.85%
82
82th pctile
Return on Assets
Current: 1.67% · Tier avg: 1.08%
84
84th pctile
Total Assets
Current: $375.9M · Tier avg: $217.5M
87
87th pctile
Total Deposits
Current: $329.5M · Tier avg: $183.7M
87
87th pctile
Total Loans
Current: $262.1M · Tier avg: $139.2M
91
91th pctile
Efficiency Ratio
Current: 48.97% · Tier avg: 67.73%