BlastPoint's Banking Scorecard
ITS Bank
Micro
Specialty: Other
IA
FDIC cert 34619
Johnston, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
ITS Bank has 5 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 3.46% above tier
- + Net Interest Margin 1.17% above tier
- + Efficiency Ratio 56.73% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Non-Interest Income / Assets 0.69% above tier
Key Concerns
Areas that may need attention
- - Non-Interest-Bearing Deposit Share 22.39% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$30.6M
+5.2% YoY
+0.1% QoQ
|
-$186.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 3% in tier |
| Total Loans ? | $0 | -$139.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 1% in tier |
| Total Deposits ? |
$500K
0% YoY
0% QoQ
|
-$183.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
4.55%
-94.3% YoY
-3.8% QoQ
|
+3.46% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 1% in tier |
| Net Interest Margin ? |
5.02%
+5.4% YoY
+0.2% QoQ
|
+1.17% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
11.00%
-36.3% YoY
+0.7% QoQ
|
-56.73% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? | - | - |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
- |
| Loan-to-Deposit Ratio ? | 0.00% | -74.53% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% 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 ? |
1.26%
-5.2% YoY
+31.3% QoQ
|
+0.69% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (5)
Return on Assets
metric
Top 1%
in Micro
Why this stands out
Current:
4.55%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Top 9%
in Micro
Why this stands out
Current:
5.02%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
11.00%
(Tier avg: 67.73%, National avg: 65.09%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.26%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
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
100
100th pctile
Return on Assets
Current: 4.55% · Tier avg: 1.08%
100
100th pctile
Efficiency Ratio
Current: 11.00% · Tier avg: 67.73%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.56%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
3
3th pctile
Total Assets
Current: $30.6M · Tier avg: $217.5M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
Top Weaknesses
1
1th pctile
Total Deposits
Current: $500K · Tier avg: $183.7M
1
1th pctile
Total Loans
Current: $0 · Tier avg: $139.2M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
3
3th pctile
Total Assets
Current: $30.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
91
91th pctile
Net Interest Margin
Current: 5.02% · Tier avg: 3.85%
95
95th pctile
Non-Interest Income / Assets
Current: 1.26% · Tier avg: 0.56%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Efficiency Ratio
Current: 11.00% · Tier avg: 67.73%
100
100th pctile
Return on Assets
Current: 4.55% · Tier avg: 1.08%