BlastPoint's Banking Scorecard
The First National Bank of Manning
Micro
Specialty: Agricultural
IA
FDIC cert 4477
Designations: ✓ Community bank
Manning, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The First National Bank of Manning has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below tier
- + Tier 1 Capital Ratio 18.46% above tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.31% below tier
- - Non-Interest Income / Assets 0.50% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$80.1M
-2.3% YoY
+0.9% QoQ
|
-$137.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$42.5M
+12.1% YoY
+10.6% QoQ
|
-$96.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
16% |
| Total Deposits ? |
$67.2M
-3.9% YoY
+1.2% QoQ
|
-$116.5M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
16% |
| Return on Assets ? |
0.71%
+149.0% YoY
+2.3% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
2.54%
+38.1% YoY
+3.0% QoQ
|
-1.31% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 6% in tier |
| Efficiency Ratio ? |
63.64%
-22.4% YoY
+0.5% QoQ
|
-4.09% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
63.31%
+16.7% YoY
+9.3% QoQ
|
-11.22% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
12.39%
-3.3% YoY
+9.5% QoQ
|
-10.01% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
16% |
| 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 ? |
27.31%
-7.4% YoY
-11.0% QoQ
|
+18.46% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.06%
-35.5% YoY
+48.6% QoQ
|
-0.50% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
27.31%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Net Interest Margin
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Bottom 4%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 0.56%, National avg: 0.65%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.31% · Tier avg: 8.85%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.31% · Tier avg: 74.53%
57
57th pctile
Efficiency Ratio
Current: 63.64% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.39% · Tier avg: 22.39%
16
16th pctile
Total Loans
Current: $42.5M · Tier avg: $139.2M
16
16th pctile
Total Deposits
Current: $67.2M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $80.1M · Tier avg: $217.5M
6
6th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.85%
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.06% · Tier avg: 0.56%
6
6th pctile
Net Interest Margin
Current: 2.54% · Tier avg: 3.85%
16
16th pctile
Total Assets
Current: $80.1M · Tier avg: $217.5M
16
16th pctile
Total Deposits
Current: $67.2M · Tier avg: $183.7M
16
16th pctile
Total Loans
Current: $42.5M · Tier avg: $139.2M
16
16th pctile
Non-Interest-Bearing Deposit Share
Current: 12.39% · Tier avg: 22.39%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
57
57th pctile
Efficiency Ratio
Current: 63.64% · Tier avg: 67.73%
72
72th pctile
Loan-to-Deposit Ratio
Current: 63.31% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 27.31% · Tier avg: 8.85%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%