BlastPoint's Banking Scorecard
BankIowa
Community
Specialty: Agricultural
IA
FDIC cert 17282
Cedar Rapids, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
BankIowa faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 17% in Community
- - Credit Risk Growth: Bottom 23% in Community
- - Liquidity Strain: Bottom 45% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$823.6M
+0.4% YoY
-0.5% QoQ
|
-$567.8M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
37% |
| Total Loans ? |
$674.3M
+5.7% YoY
-1.4% QoQ
|
-$301.2M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
48% |
| Total Deposits ? |
$688.6M
+7.3% YoY
+1.6% QoQ
|
-$476.0M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
37% |
| Return on Assets ? |
1.39%
+57.2% YoY
+6.1% QoQ
|
+0.22% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
3.86%
+22.4% YoY
+3.1% QoQ
|
+0.20% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
63.10%
-11.6% YoY
-1.3% QoQ
|
+0.46% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
0.47%
+22.0% YoY
-25.1% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
97.92%
-1.5% YoY
-2.9% QoQ
|
+14.86% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
20.17%
-1.3% YoY
+8.9% QoQ
|
-0.88% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
51% |
| Nonperforming Asset Ratio ? |
0.38%
-36.1% YoY
-25.8% QoQ
|
-0.12% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.77%
+11.1% YoY
+42.6% QoQ
|
+0.03% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Capital Thin
risk
#73 of 432 · Bottom 17% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Credit Risk Growth
risk
#148 of 642 · Bottom 23% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
Liquidity Strain
risk
#230 of 513 · Bottom 45% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
97.92%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
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
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.17% · Tier avg: 21.05%
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
48
48th pctile
Total Loans
Current: $674.3M · Tier avg: $975.5M
47
47th pctile
Efficiency Ratio
Current: 63.10% · Tier avg: 62.63%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
37
37th pctile
Total Deposits
Current: $688.6M · Tier avg: $1.2B
37
37th pctile
Total Assets
Current: $823.6M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.92% · Tier avg: 83.06%
Top Weaknesses
17
17th pctile
Loan-to-Deposit Ratio
Current: 97.92% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
37
37th pctile
Total Assets
Current: $823.6M · Tier avg: $1.4B
37
37th pctile
Total Deposits
Current: $688.6M · Tier avg: $1.2B
47
47th pctile
Nonperforming Asset Ratio
Current: 0.38% · Tier avg: 0.50%
47
47th pctile
Efficiency Ratio
Current: 63.10% · Tier avg: 62.63%
48
48th pctile
Total Loans
Current: $674.3M · Tier avg: $975.5M
49
49th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
51
51th pctile
Non-Interest-Bearing Deposit Share
Current: 20.17% · Tier avg: 21.05%
63
63th pctile
Net Interest Margin
Current: 3.86% · Tier avg: 3.66%
68
68th pctile
Return on Assets
Current: 1.39% · Tier avg: 1.16%
75
75th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.74%