BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 5791
Designations: ✓ Community bank
Belmond, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First State Bank 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
- - Net Interest Margin 1.80% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$148.7M
+10.1% YoY
+9.7% QoQ
|
-$68.8M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
38% |
| Total Loans ? |
$65.7M
+9.0% YoY
+7.4% QoQ
|
-$73.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
27% |
| Total Deposits ? |
$112.8M
+5.4% YoY
+12.4% QoQ
|
-$70.9M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
0.64%
+72.1% YoY
+4.1% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.05%
+34.4% YoY
+1.1% QoQ
|
-1.80% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 2% in tier |
| Efficiency Ratio ? |
62.86%
-17.9% YoY
-2.4% QoQ
|
-4.86% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
0.90%
+83.1% YoY
-2.4% QoQ
|
+0.26% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
58.27%
+3.5% YoY
-4.4% QoQ
|
-16.26% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
15.56%
-3.9% YoY
+8.9% QoQ
|
-6.84% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.40%
+53.4% YoY
-4.5% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
43% |
| 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%
-7.9% YoY
+32.6% 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)
Net Interest Margin
metric
Bottom 2%
in Micro
Why this stands out
Current:
2.05%
(Tier avg: 3.85%, National avg: 3.75%)
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
59
59th pctile
Efficiency Ratio
Current: 62.86% · Tier avg: 67.73%
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%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
38
38th pctile
Total Assets
Current: $148.7M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
27
27th pctile
Total Loans
Current: $65.7M · Tier avg: $139.2M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.56% · Tier avg: 22.39%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.27% · Tier avg: 74.53%
2
2th pctile
Net Interest Margin
Current: 2.05% · Tier avg: 3.85%
Top Weaknesses
2
2th pctile
Net Interest Margin
Current: 2.05% · Tier avg: 3.85%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.27% · Tier avg: 74.53%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.56% · Tier avg: 22.39%
27
27th pctile
Total Loans
Current: $65.7M · Tier avg: $139.2M
31
31th pctile
Delinquency Rate
Current: 0.90% · Tier avg: 0.64%
33
33th pctile
Total Deposits
Current: $112.8M · Tier avg: $183.7M
38
38th pctile
Total Assets
Current: $148.7M · Tier avg: $217.5M
43
43th pctile
Nonperforming Asset Ratio
Current: 0.40% · Tier avg: 0.45%
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%
59
59th pctile
Efficiency Ratio
Current: 62.86% · Tier avg: 67.73%