BlastPoint's Banking Scorecard
First Bank
Community
Specialty: Agricultural
IA
FDIC cert 4519
Waverly, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
First Bank faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 37% in Community
- - Flatlined Growth: Bottom 43% in Community
- - Deposit Outflow: Bottom 46% in Community
- - Credit Risk Growth: Bottom 49% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$729.5M
-0.7% YoY
-0.8% QoQ
|
-$661.9M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
30% |
| Total Loans ? |
$534.3M
+5.0% YoY
-0.2% QoQ
|
-$441.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
35% |
| Total Deposits ? |
$598.9M
-2.5% YoY
+3.3% QoQ
|
-$565.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
28% |
| Return on Assets ? |
1.24%
+32.6% YoY
+1.4% QoQ
|
+0.08% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
59% |
| Net Interest Margin ? |
3.50%
+19.1% YoY
+2.1% QoQ
|
-0.17% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
42% |
| Efficiency Ratio ? |
51.81%
-8.4% YoY
+1.4% QoQ
|
-10.82% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
80% |
| Delinquency Rate ? |
0.60%
+459.2% YoY
-19.7% QoQ
|
-0.03% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
89.22%
+7.7% YoY
-3.4% QoQ
|
+6.16% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
37% |
| Non-Interest-Bearing Deposit Share ? |
19.88%
-0.6% YoY
-1.5% QoQ
|
-1.17% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.48%
+555.7% YoY
-20.6% QoQ
|
-0.01% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
39% |
| Tier 1 Capital Ratio ? |
17.04%
+3.4% YoY
+1.9% QoQ
|
+6.80% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
Top 14% in tier |
| Non-Interest Income / Assets ? |
0.36%
-4.8% YoY
+35.6% QoQ
|
-0.38% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Liquidity Overhang
risk
#99 of 268 · Bottom 37% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
17.04%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
89.22%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
Flatlined Growth
risk
#107 of 245 · Bottom 43% in Community
Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Why this signature
Return on Assets:
1.24%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#115 of 248 · Bottom 46% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
Credit Risk Growth
risk
#316 of 642 · Bottom 49% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
86
86th pctile
Tier 1 Capital Ratio
Current: 17.04% · Tier avg: 10.24%
80
80th pctile
Efficiency Ratio
Current: 51.81% · Tier avg: 62.63%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.88% · Tier avg: 21.05%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.22% · Tier avg: 83.06%
35
35th pctile
Total Loans
Current: $534.3M · Tier avg: $975.5M
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
30
30th pctile
Total Assets
Current: $729.5M · Tier avg: $1.4B
28
28th pctile
Total Deposits
Current: $598.9M · Tier avg: $1.2B
Top Weaknesses
28
28th pctile
Total Deposits
Current: $598.9M · Tier avg: $1.2B
30
30th pctile
Total Assets
Current: $729.5M · Tier avg: $1.4B
31
31th pctile
Non-Interest Income / Assets
Current: 0.36% · Tier avg: 0.74%
35
35th pctile
Total Loans
Current: $534.3M · Tier avg: $975.5M
37
37th pctile
Loan-to-Deposit Ratio
Current: 89.22% · Tier avg: 83.06%
39
39th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
40
40th pctile
Delinquency Rate
Current: 0.60% · Tier avg: 0.63%
42
42th pctile
Net Interest Margin
Current: 3.50% · Tier avg: 3.66%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 19.88% · Tier avg: 21.05%
59
59th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
80
80th pctile
Efficiency Ratio
Current: 51.81% · Tier avg: 62.63%
86
86th pctile
Tier 1 Capital Ratio
Current: 17.04% · Tier avg: 10.24%