BlastPoint's Banking Scorecard
First Whitney Bank and Trust
Micro
Specialty: Agricultural
IA
FDIC cert 254
Designations: ✓ Community bank
Atlantic, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First Whitney Bank and Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 20.92% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.27% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$304.2M
+5.7% YoY
+3.7% QoQ
|
+$86.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$173.7M
+8.4% YoY
+14.2% QoQ
|
+$34.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
68% |
| Total Deposits ? |
$249.5M
-3.3% YoY
-2.4% QoQ
|
+$65.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
71% |
| Return on Assets ? |
1.36%
+31.3% YoY
-1.3% QoQ
|
+0.28% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
68% |
| Net Interest Margin ? |
2.59%
+15.6% YoY
+2.3% QoQ
|
-1.27% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
46.81%
-12.4% YoY
+4.7% QoQ
|
-20.92% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 7% in tier |
| Delinquency Rate ? | 0.07% | -0.57% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
69.64%
+12.0% YoY
+17.0% QoQ
|
-4.88% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
62% |
| Non-Interest-Bearing Deposit Share ? |
21.27%
+4.0% YoY
+4.2% QoQ
|
-1.12% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? | 0.04% | -0.41% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
13.72%
+4.7% YoY
-4.8% QoQ
|
+4.86% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
67% |
| Non-Interest Income / Assets ? |
0.15%
-0.0% YoY
+44.0% QoQ
|
-0.41% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
16% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
46.81%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (1)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.59%
(Tier avg: 3.85%, National avg: 3.75%)
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
93
93th pctile
Efficiency Ratio
Current: 46.81% · Tier avg: 67.73%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
73
73th pctile
Total Assets
Current: $304.2M · Tier avg: $217.5M
71
71th pctile
Total Deposits
Current: $249.5M · Tier avg: $183.7M
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
68
68th pctile
Total Loans
Current: $173.7M · Tier avg: $139.2M
67
67th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 8.85%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.64% · Tier avg: 74.53%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 22.39%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
7
7th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.59% · Tier avg: 3.85%
16
16th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.56%
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.27% · Tier avg: 22.39%
62
62th pctile
Loan-to-Deposit Ratio
Current: 69.64% · Tier avg: 74.53%
67
67th pctile
Tier 1 Capital Ratio
Current: 13.72% · Tier avg: 8.85%
68
68th pctile
Total Loans
Current: $173.7M · Tier avg: $139.2M
68
68th pctile
Return on Assets
Current: 1.36% · Tier avg: 1.08%
71
71th pctile
Total Deposits
Current: $249.5M · Tier avg: $183.7M
73
73th pctile
Total Assets
Current: $304.2M · Tier avg: $217.5M
73
73th pctile
Delinquency Rate
Current: 0.07% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
93
93th pctile
Efficiency Ratio
Current: 46.81% · Tier avg: 67.73%