BlastPoint's Banking Scorecard
American State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 26944
Designations: ✓ Community bank
Osceola, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
American State Bank shows strong momentum with 1 strength and 7.6% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.97% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$347.7M
+7.6% YoY
+3.4% QoQ
|
+$130.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
80% |
| Total Loans ? |
$239.2M
+4.1% YoY
+2.2% QoQ
|
+$100.0M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$272.4M
+8.1% YoY
+4.5% QoQ
|
+$88.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
2.05%
+12.6% YoY
+1.0% QoQ
|
+0.97% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.12%
+5.3% YoY
+0.1% QoQ
|
+0.27% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
64% |
| Efficiency Ratio ? |
51.47%
-5.5% YoY
-1.0% QoQ
|
-16.26% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? | 1.32% | +0.68% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
22% |
| Loan-to-Deposit Ratio ? |
87.81%
-3.8% YoY
-2.2% QoQ
|
+13.28% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
13.58%
-7.4% YoY
-0.5% QoQ
|
-8.81% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? |
0.93%
+912.5% QoQ
|
+0.48% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
21% |
| 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 ? |
0.69%
+3.3% YoY
+31.0% QoQ
|
+0.13% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
83% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.05%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (0)
No concerns identified
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
91
91th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.08%
88
88th pctile
Efficiency Ratio
Current: 51.47% · Tier avg: 67.73%
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
83
83th pctile
Total Loans
Current: $239.2M · Tier avg: $139.2M
80
80th pctile
Total Assets
Current: $347.7M · Tier avg: $217.5M
76
76th pctile
Total Deposits
Current: $272.4M · Tier avg: $183.7M
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.81% · Tier avg: 74.53%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.58% · Tier avg: 22.39%
Top Weaknesses
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.58% · Tier avg: 22.39%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.93% · Tier avg: 0.45%
22
22th pctile
Delinquency Rate
Current: 1.32% · Tier avg: 0.64%
27
27th pctile
Loan-to-Deposit Ratio
Current: 87.81% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
64
64th pctile
Net Interest Margin
Current: 4.12% · Tier avg: 3.85%
76
76th pctile
Total Deposits
Current: $272.4M · Tier avg: $183.7M
80
80th pctile
Total Assets
Current: $347.7M · Tier avg: $217.5M
83
83th pctile
Total Loans
Current: $239.2M · Tier avg: $139.2M
83
83th pctile
Non-Interest Income / Assets
Current: 0.69% · Tier avg: 0.56%
88
88th pctile
Efficiency Ratio
Current: 51.47% · Tier avg: 67.73%
91
91th pctile
Return on Assets
Current: 2.05% · Tier avg: 1.08%