BlastPoint's Banking Scorecard

Iowa Trust & Savings Bank

Community Specialty: Commercial IA FDIC cert 18400

Emmetsburg, IA

1484 banks in Community tier nationally 58 in IA

View Community leaderboard (IA) →

Iowa Trust & Savings Bank faces 2 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 Constraint: Bottom 4% in Community
- Deposit Outflow: Bottom 32% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$523.4M -3.4% YoY -0.1% QoQ	-$868.0M	$1.4B +2.0% YoY	$554.4M +4.9% YoY	$5.9B +6.5% YoY	Bottom 4% in tier
Total Loans ?	$344.3M -11.5% YoY -4.1% QoQ	-$631.1M	$975.5M +2.4% YoY	$379.4M +5.5% YoY	$3.1B +8.5% YoY	Bottom 8% in tier
Total Deposits ?	$394.2M -5.2% YoY -0.3% QoQ	-$770.4M	$1.2B +1.7% YoY	$463.0M +4.7% YoY	$4.7B +6.3% YoY	Bottom 1% in tier
Return on Assets ?	1.18% +79.1% YoY -4.0% QoQ	+0.02%	1.16% +17.2% YoY	1.18% +29.0% YoY	1.12% +15.6% YoY	55%
Net Interest Margin ?	3.35% +4.9% YoY +1.0% QoQ	-0.32%	3.66% +9.1% YoY	3.37% +11.5% YoY	3.75% +7.1% YoY	33%
Efficiency Ratio ?	65.99% -15.4% YoY +0.3% QoQ	+3.36%	62.63% -5.3% YoY	59.86% -8.6% YoY	65.09% -5.1% YoY	37%
Delinquency Rate ?	0.44% -52.3% YoY +31.4% QoQ	-0.19%	0.63% +18.3% YoY	0.57% +48.1% YoY	0.66% +20.3% YoY	51%
Loan-to-Deposit Ratio ?	87.34% -6.7% YoY -3.8% QoQ	+4.28%	83.06% +0.3% YoY	79.50% +1.5% YoY	78.04% +0.7% YoY	43%
Non-Interest-Bearing Deposit Share ?	17.86% +4.9% YoY -4.7% QoQ	-3.18%	21.05% -0.9% YoY	18.11% -1.9% YoY	21.79% -1.3% YoY	38%
Nonperforming Asset Ratio ?	0.33% -53.1% YoY -48.8% QoQ	-0.17%	0.50% +20.3% YoY	0.44% +46.5% YoY	0.48% +20.8% YoY	52%
Tier 1 Capital Ratio ?	12.98% +18.9% YoY +3.5% QoQ	+2.74%	10.24% -0.6% YoY	8.07% -1.4% YoY	9.75% -1.9% YoY	58%
Non-Interest Income / Assets ?	1.07% +357.8% YoY +45.0% QoQ	+0.33%	0.74% -1.3% YoY	0.46% +1.9% YoY	0.65% +0.6% YoY	Top 13% in tier

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Capital Constraint

risk

#3 of 47 · Bottom 4% in Community

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 87.34%

(Tier: 83.06%, National: 78.04%)

worse than tier avg

Tier 1 Risk-Based Capital Ratio: 12.98%

(Tier: 10.24%, National: 9.75%)

better than tier avg

47 of 47 Community banks match · 57 nationally

→ Stable -1 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#80 of 248 · Bottom 32% in Community

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

248 of 248 Community banks match · 294 nationally

↑ Growing +37 banks QoQ | QoQ rank declining

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%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Non-Interest Income / Assets

Current: 1.07% · Tier avg: 0.74%

87th pctile

Tier 1 Capital Ratio

Current: 12.98% · Tier avg: 10.24%

58th pctile

Return on Assets

Current: 1.18% · Tier avg: 1.16%

55th pctile

Nonperforming Asset Ratio

Current: 0.33% · Tier avg: 0.50%

52th pctile

Delinquency Rate

Current: 0.44% · Tier avg: 0.63%

51th pctile

Loan-to-Deposit Ratio

Current: 87.34% · Tier avg: 83.06%

43th pctile

Non-Interest-Bearing Deposit Share

Current: 17.86% · Tier avg: 21.05%

38th pctile

Efficiency Ratio

Current: 65.99% · Tier avg: 62.63%

37th pctile

Net Interest Margin

Current: 3.35% · Tier avg: 3.66%

33th pctile

Total Loans

Current: $344.3M · Tier avg: $975.5M

8th pctile

Total Assets

Current: $523.4M · Tier avg: $1.4B

4th pctile

Total Deposits

Current: $394.2M · Tier avg: $1.2B

1th pctile

Top Weaknesses