BlastPoint's Banking Scorecard
Manufacturers Bank & Trust Company
Community
Specialty: Agricultural
IA
FDIC cert 16307
Forest City, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Manufacturers Bank & Trust Company faces 1 concern 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 36% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$738.5M
-1.2% YoY
+1.7% QoQ
|
-$652.9M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$516.0M
-2.2% YoY
+4.3% QoQ
|
-$459.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
33% |
| Total Deposits ? |
$638.3M
+0.1% YoY
+4.8% QoQ
|
-$526.3M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
1.23%
+33.3% YoY
+3.4% QoQ
|
+0.06% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
58% |
| Net Interest Margin ? |
3.45%
+16.0% YoY
+1.3% QoQ
|
-0.22% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
39% |
| Efficiency Ratio ? |
65.43%
-5.2% YoY
-1.2% QoQ
|
+2.80% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
39% |
| Delinquency Rate ? |
0.54%
-35.9% YoY
-68.6% QoQ
|
-0.09% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
80.83%
-2.3% YoY
-0.5% QoQ
|
-2.23% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
61% |
| Non-Interest-Bearing Deposit Share ? |
19.98%
+3.8% YoY
-3.5% QoQ
|
-1.07% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
50% |
| Nonperforming Asset Ratio ? |
0.38%
-36.6% YoY
-67.8% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
12.89%
+7.5% YoY
-1.2% QoQ
|
+2.65% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.78%
+3.4% YoY
+32.7% QoQ
|
+0.04% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
76% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Flatlined Growth
risk
#90 of 245 · Bottom 36% 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:
1.23%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
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
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.83% · Tier avg: 83.06%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.89% · Tier avg: 10.24%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 21.05%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
39
39th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
39
39th pctile
Efficiency Ratio
Current: 65.43% · Tier avg: 62.63%
33
33th pctile
Total Loans
Current: $516.0M · Tier avg: $975.5M
32
32th pctile
Total Deposits
Current: $638.3M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $738.5M · Tier avg: $1.4B
Top Weaknesses
30
30th pctile
Total Assets
Current: $738.5M · Tier avg: $1.4B
32
32th pctile
Total Deposits
Current: $638.3M · Tier avg: $1.2B
33
33th pctile
Total Loans
Current: $516.0M · Tier avg: $975.5M
39
39th pctile
Efficiency Ratio
Current: 65.43% · Tier avg: 62.63%
39
39th pctile
Net Interest Margin
Current: 3.45% · Tier avg: 3.66%
44
44th pctile
Delinquency Rate
Current: 0.54% · Tier avg: 0.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
50
50th pctile
Non-Interest-Bearing Deposit Share
Current: 19.98% · Tier avg: 21.05%
57
57th pctile
Tier 1 Capital Ratio
Current: 12.89% · Tier avg: 10.24%
58
58th pctile
Return on Assets
Current: 1.23% · Tier avg: 1.16%
61
61th pctile
Loan-to-Deposit Ratio
Current: 80.83% · Tier avg: 83.06%
76
76th pctile
Non-Interest Income / Assets
Current: 0.78% · Tier avg: 0.74%