BlastPoint's Banking Scorecard
Bank Plus
Micro
Specialty: Agricultural
IA
FDIC cert 16547
Designations: ✓ Community bank
Estherville, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Bank Plus 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
- - Loan-to-Deposit Ratio 41.63% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$157.1M
-3.9% YoY
+4.1% QoQ
|
-$60.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$128.2M
-3.0% YoY
+6.4% QoQ
|
-$11.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
53% |
| Total Deposits ? |
$110.3M
-2.1% YoY
+2.8% QoQ
|
-$73.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
32% |
| Return on Assets ? |
0.85%
+6.6% YoY
+12.6% QoQ
|
-0.24% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
36% |
| Net Interest Margin ? |
4.15%
+9.5% YoY
-0.7% QoQ
|
+0.30% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
66% |
| Efficiency Ratio ? |
75.60%
-0.3% YoY
-2.5% QoQ
|
+7.88% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
27% |
| Delinquency Rate ? |
0.71%
-4.5% YoY
+5.2% QoQ
|
+0.07% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
116.16%
-1.0% YoY
+3.6% QoQ
|
+41.63% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.65%
+3.7% YoY
+11.2% QoQ
|
+3.26% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
65% |
| Nonperforming Asset Ratio ? |
0.58%
-3.7% YoY
+7.5% QoQ
|
+0.13% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
33% |
| 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 ? |
0.15%
-12.2% YoY
+31.8% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
116.16%
(Tier avg: 74.53%, National avg: 78.04%)
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
66
66th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.65% · Tier avg: 22.39%
53
53th pctile
Total Loans
Current: $128.2M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Assets
Current: $157.1M · Tier avg: $217.5M
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
36
36th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
32
32th pctile
Total Deposits
Current: $110.3M · Tier avg: $183.7M
27
27th pctile
Efficiency Ratio
Current: 75.60% · Tier avg: 67.73%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.16% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 116.16% · Tier avg: 74.53%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
27
27th pctile
Efficiency Ratio
Current: 75.60% · Tier avg: 67.73%
32
32th pctile
Total Deposits
Current: $110.3M · Tier avg: $183.7M
33
33th pctile
Nonperforming Asset Ratio
Current: 0.58% · Tier avg: 0.45%
36
36th pctile
Return on Assets
Current: 0.85% · Tier avg: 1.08%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
40
40th pctile
Total Assets
Current: $157.1M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
53
53th pctile
Total Loans
Current: $128.2M · Tier avg: $139.2M
65
65th pctile
Non-Interest-Bearing Deposit Share
Current: 25.65% · Tier avg: 22.39%
66
66th pctile
Net Interest Margin
Current: 4.15% · Tier avg: 3.85%