BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 16177
Designations: ✓ Community bank
Stuart, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First State Bank shows strong momentum with 4 strengths and 6.3% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 22.46% above tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 16.67% 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 ? |
$128.7M
+6.3% YoY
+8.1% QoQ
|
-$88.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$57.0M
-6.7% YoY
-6.3% QoQ
|
-$82.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
23% |
| Total Deposits ? |
$113.5M
+6.1% YoY
+9.0% QoQ
|
-$70.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.15%
+28.5% YoY
-5.5% QoQ
|
+0.06% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
4.10%
+11.9% YoY
-0.7% QoQ
|
+0.25% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
58.83%
-11.3% YoY
+2.3% QoQ
|
-8.89% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
70% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
50.19%
-12.0% YoY
-14.1% QoQ
|
-24.33% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 13% in tier |
| Non-Interest-Bearing Deposit Share ? |
44.85%
+5.8% YoY
+9.1% QoQ
|
+22.46% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Top 4% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
25.52%
+21.5% YoY
+6.8% QoQ
|
+16.67% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 6% in tier |
| Non-Interest Income / Assets ? |
0.60%
+131.6% YoY
+34.9% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (4)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 4%
in Micro
Why this stands out
Current:
44.85%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
25.52%
(Tier avg: 8.85%, National avg: 9.75%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.85% · Tier avg: 22.39%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.52% · Tier avg: 8.85%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
70
70th pctile
Efficiency Ratio
Current: 58.83% · Tier avg: 67.73%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
55
55th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
33
33th pctile
Total Deposits
Current: $113.5M · Tier avg: $183.7M
31
31th pctile
Total Assets
Current: $128.7M · Tier avg: $217.5M
23
23th pctile
Total Loans
Current: $57.0M · Tier avg: $139.2M
13
13th pctile
Loan-to-Deposit Ratio
Current: 50.19% · Tier avg: 74.53%
Top Weaknesses
13
13th pctile
Loan-to-Deposit Ratio
Current: 50.19% · Tier avg: 74.53%
23
23th pctile
Total Loans
Current: $57.0M · Tier avg: $139.2M
31
31th pctile
Total Assets
Current: $128.7M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $113.5M · Tier avg: $183.7M
55
55th pctile
Return on Assets
Current: 1.15% · Tier avg: 1.08%
63
63th pctile
Net Interest Margin
Current: 4.10% · Tier avg: 3.85%
70
70th pctile
Efficiency Ratio
Current: 58.83% · Tier avg: 67.73%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
94
94th pctile
Tier 1 Capital Ratio
Current: 25.52% · Tier avg: 8.85%
96
96th pctile
Non-Interest-Bearing Deposit Share
Current: 44.85% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%