BlastPoint's Banking Scorecard
The Citizens First National Bank of Storm Lake
Micro
Specialty: Agricultural
IA
FDIC cert 4511
Designations: ✓ Community bank
Storm Lake, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The Citizens First National Bank of Storm Lake demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.56% above tier
- + Tier 1 Capital Ratio 16.31% above tier
- + Non-Interest Income / Assets 0.90% 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 ? |
$260.2M
+3.7% YoY
+1.6% QoQ
|
+$42.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
64% |
| Total Loans ? |
$144.5M
-2.7% YoY
-1.1% QoQ
|
+$5.3M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
58% |
| Total Deposits ? |
$217.7M
+1.9% YoY
+1.8% QoQ
|
+$34.0M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
2.64%
+9.3% YoY
+16.6% QoQ
|
+1.56% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 3% in tier |
| Net Interest Margin ? |
4.11%
+9.8% YoY
+3.4% QoQ
|
+0.26% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
63% |
| Efficiency Ratio ? |
51.69%
+2.4% YoY
-7.0% QoQ
|
-16.04% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 13% in tier |
| Delinquency Rate ? |
0.08%
+51.3% YoY
-76.8% QoQ
|
-0.56% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
73% |
| Loan-to-Deposit Ratio ? |
66.36%
-4.5% YoY
-2.9% QoQ
|
-8.17% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
67% |
| Non-Interest-Bearing Deposit Share ? |
21.14%
+12.9% YoY
+13.0% QoQ
|
-1.25% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.04%
+42.1% YoY
-94.6% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
25.16%
+19.1% YoY
+3.2% QoQ
|
+16.31% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
1.46%
+10.4% YoY
+56.8% QoQ
|
+0.90% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 5% in tier |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 3%
in Micro
Why this stands out
Current:
2.64%
(Tier avg: 1.08%, National avg: 1.12%)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
25.16%
(Tier avg: 8.85%, National avg: 9.75%)
Non-Interest Income / Assets
metric
Top 5%
in Micro
Why this stands out
Current:
1.46%
(Tier avg: 0.56%, National avg: 0.65%)
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
97
97th pctile
Return on Assets
Current: 2.64% · Tier avg: 1.08%
95
95th pctile
Non-Interest Income / Assets
Current: 1.46% · Tier avg: 0.56%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.16% · Tier avg: 8.85%
87
87th pctile
Efficiency Ratio
Current: 51.69% · Tier avg: 67.73%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.36% · Tier avg: 74.53%
64
64th pctile
Total Assets
Current: $260.2M · Tier avg: $217.5M
64
64th pctile
Total Deposits
Current: $217.7M · Tier avg: $183.7M
63
63th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
58
58th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.14% · Tier avg: 22.39%
Top Weaknesses
48
48th pctile
Non-Interest-Bearing Deposit Share
Current: 21.14% · Tier avg: 22.39%
58
58th pctile
Total Loans
Current: $144.5M · Tier avg: $139.2M
63
63th pctile
Net Interest Margin
Current: 4.11% · Tier avg: 3.85%
64
64th pctile
Total Deposits
Current: $217.7M · Tier avg: $183.7M
64
64th pctile
Total Assets
Current: $260.2M · Tier avg: $217.5M
67
67th pctile
Loan-to-Deposit Ratio
Current: 66.36% · Tier avg: 74.53%
73
73th pctile
Delinquency Rate
Current: 0.08% · Tier avg: 0.64%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
87
87th pctile
Efficiency Ratio
Current: 51.69% · Tier avg: 67.73%
93
93th pctile
Tier 1 Capital Ratio
Current: 25.16% · Tier avg: 8.85%
95
95th pctile
Non-Interest Income / Assets
Current: 1.46% · Tier avg: 0.56%
97
97th pctile
Return on Assets
Current: 2.64% · Tier avg: 1.08%