BlastPoint's Banking Scorecard
First Security State Bank
Micro
Specialty: Commercial
IA
FDIC cert 18508
Designations: ✓ Community bank
Evansdale, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First Security State 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
- - Delinquency Rate 2.28% above tier
- - Nonperforming Asset Ratio 1.54% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$87.7M
-6.9% YoY
-0.1% QoQ
|
-$129.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
19% |
| Total Loans ? |
$59.9M
+1.9% YoY
+3.9% QoQ
|
-$79.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$75.0M
-8.8% YoY
+0.4% QoQ
|
-$108.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
0.83%
+40.7% YoY
-3.0% QoQ
|
-0.25% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
35% |
| Net Interest Margin ? |
3.62%
+9.2% YoY
+1.8% QoQ
|
-0.23% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
40% |
| Efficiency Ratio ? |
72.87%
-1.8% YoY
+1.5% QoQ
|
+5.15% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
33% |
| Delinquency Rate ? |
2.92%
-9.7% YoY
-4.8% QoQ
|
+2.28% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 7% in tier |
| Loan-to-Deposit Ratio ? |
79.92%
+11.8% YoY
+3.5% QoQ
|
+5.39% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
43% |
| Non-Interest-Bearing Deposit Share ? |
20.05%
+7.8% YoY
+1.0% QoQ
|
-2.34% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
42% |
| Nonperforming Asset Ratio ? |
1.99%
-1.1% YoY
-1.0% QoQ
|
+1.54% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| 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 ? |
0.20%
+1.6% YoY
+30.0% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.92%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.99%
(Tier avg: 0.45%, National avg: 0.48%)
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
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.92% · Tier avg: 74.53%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.05% · Tier avg: 22.39%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
33
33th pctile
Efficiency Ratio
Current: 72.87% · Tier avg: 67.73%
25
25th pctile
Total Loans
Current: $59.9M · Tier avg: $139.2M
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
20
20th pctile
Total Deposits
Current: $75.0M · Tier avg: $183.7M
19
19th pctile
Total Assets
Current: $87.7M · Tier avg: $217.5M
7
7th pctile
Delinquency Rate
Current: 2.92% · Tier avg: 0.64%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.99% · Tier avg: 0.45%
Top Weaknesses
7
7th pctile
Nonperforming Asset Ratio
Current: 1.99% · Tier avg: 0.45%
7
7th pctile
Delinquency Rate
Current: 2.92% · Tier avg: 0.64%
19
19th pctile
Total Assets
Current: $87.7M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $75.0M · Tier avg: $183.7M
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
25
25th pctile
Total Loans
Current: $59.9M · Tier avg: $139.2M
33
33th pctile
Efficiency Ratio
Current: 72.87% · Tier avg: 67.73%
35
35th pctile
Return on Assets
Current: 0.83% · Tier avg: 1.08%
40
40th pctile
Net Interest Margin
Current: 3.62% · Tier avg: 3.85%
42
42th pctile
Non-Interest-Bearing Deposit Share
Current: 20.05% · Tier avg: 22.39%
43
43th pctile
Loan-to-Deposit Ratio
Current: 79.92% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%