BlastPoint's Banking Scorecard
American State Bank
Community
Specialty: Agricultural
IA
FDIC cert 228
Sioux Center, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
American State Bank 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 20.14% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+1.9% YoY
+2.1% QoQ
|
+$121.5M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$1.3B
+3.0% YoY
-0.6% QoQ
|
+$370.4M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.3B
+4.7% YoY
+7.5% QoQ
|
+$139.5M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.20%
+10.9% YoY
+0.1% QoQ
|
+0.04% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
56% |
| Net Interest Margin ? |
3.09%
+15.0% YoY
+0.9% QoQ
|
-0.57% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
21% |
| Efficiency Ratio ? |
47.83%
-12.7% YoY
-2.7% QoQ
|
-14.80% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
0.91%
-48.4% YoY
-38.8% QoQ
|
+0.28% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
103.21%
-1.6% YoY
-7.6% QoQ
|
+20.14% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.08%
+12.8% YoY
+22.9% QoQ
|
-7.97% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
18% |
| Nonperforming Asset Ratio ? |
0.81%
-47.9% YoY
-40.4% QoQ
|
+0.31% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
11.62%
+4.3% YoY
+4.0% QoQ
|
+1.38% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.63%
+7.4% YoY
+34.2% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.21%
(Tier avg: 83.06%, 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
88
88th pctile
Efficiency Ratio
Current: 47.83% · Tier avg: 62.63%
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
56
56th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.62% · Tier avg: 10.24%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.50%
21
21th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.66%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 21.05%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.21% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.21% · Tier avg: 83.06%
18
18th pctile
Non-Interest-Bearing Deposit Share
Current: 13.08% · Tier avg: 21.05%
21
21th pctile
Net Interest Margin
Current: 3.09% · Tier avg: 3.66%
25
25th pctile
Nonperforming Asset Ratio
Current: 0.81% · Tier avg: 0.50%
28
28th pctile
Delinquency Rate
Current: 0.91% · Tier avg: 0.63%
43
43th pctile
Tier 1 Capital Ratio
Current: 11.62% · Tier avg: 10.24%
56
56th pctile
Return on Assets
Current: 1.20% · Tier avg: 1.16%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
71
71th pctile
Total Deposits
Current: $1.3B · Tier avg: $1.2B
78
78th pctile
Total Loans
Current: $1.3B · Tier avg: $975.5M
88
88th pctile
Efficiency Ratio
Current: 47.83% · Tier avg: 62.63%