BlastPoint's Banking Scorecard
First Bank Hampton
Micro
Specialty: Agricultural
IA
FDIC cert 4464
Designations: ✓ Community bank
Hampton, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First Bank Hampton 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
- - Non-Interest-Bearing Deposit Share 16.69% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$244.2M
-0.5% YoY
-1.5% QoQ
|
+$26.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$194.1M
+4.8% YoY
-1.7% QoQ
|
+$54.9M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$215.9M
+4.6% YoY
-1.6% QoQ
|
+$32.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.31%
-4.5% YoY
-3.5% QoQ
|
+0.23% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
66% |
| Net Interest Margin ? |
4.09%
+13.1% YoY
+1.6% QoQ
|
+0.24% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
54.46%
-3.7% YoY
-1.4% QoQ
|
-13.27% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
82% |
| Delinquency Rate ? |
0.86%
+789.4% YoY
+23.8% QoQ
|
+0.22% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
89.90%
+0.2% YoY
-0.1% QoQ
|
+15.37% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
5.70%
+18.8% YoY
+63.9% QoQ
|
-16.69% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.69%
+556.1% YoY
+23.5% QoQ
|
+0.23% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
29% |
| 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 ? |
0.34%
-7.8% YoY
+30.3% QoQ
|
-0.22% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
47% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
5.70%
(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
82
82th pctile
Efficiency Ratio
Current: 54.46% · Tier avg: 67.73%
72
72th pctile
Total Loans
Current: $194.1M · Tier avg: $139.2M
66
66th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
64
64th pctile
Total Deposits
Current: $215.9M · Tier avg: $183.7M
63
63th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
61
61th pctile
Total Assets
Current: $244.2M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.90% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.70% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 5.70% · Tier avg: 22.39%
23
23th pctile
Loan-to-Deposit Ratio
Current: 89.90% · Tier avg: 74.53%
29
29th pctile
Nonperforming Asset Ratio
Current: 0.69% · Tier avg: 0.45%
32
32th pctile
Delinquency Rate
Current: 0.86% · Tier avg: 0.64%
47
47th pctile
Non-Interest Income / Assets
Current: 0.34% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
61
61th pctile
Total Assets
Current: $244.2M · Tier avg: $217.5M
63
63th pctile
Net Interest Margin
Current: 4.09% · Tier avg: 3.85%
64
64th pctile
Total Deposits
Current: $215.9M · Tier avg: $183.7M
66
66th pctile
Return on Assets
Current: 1.31% · Tier avg: 1.08%
72
72th pctile
Total Loans
Current: $194.1M · Tier avg: $139.2M
82
82th pctile
Efficiency Ratio
Current: 54.46% · Tier avg: 67.73%