BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 5821
Designations: ✓ Community bank
Lynnville, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First State Bank shows strong momentum with 1 strength and 5.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.76% below 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 ? |
$378.4M
+5.5% YoY
+2.4% QoQ
|
+$160.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$278.8M
+11.7% YoY
+6.5% QoQ
|
+$139.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$295.4M
+3.5% YoY
+4.4% QoQ
|
+$111.7M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
80% |
| Return on Assets ? |
1.79%
+36.6% YoY
+0.5% QoQ
|
+0.71% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
85% |
| Net Interest Margin ? |
3.82%
+23.3% YoY
+2.6% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
49.97%
-15.4% YoY
-1.3% QoQ
|
-17.76% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
0.15%
+25.2% YoY
-43.4% QoQ
|
-0.49% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
94.40%
+7.9% YoY
+2.0% QoQ
|
+19.87% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
85% |
| Non-Interest-Bearing Deposit Share ? |
10.19%
+5.4% YoY
+11.3% QoQ
|
-12.20% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.11%
+32.5% YoY
-41.2% QoQ
|
-0.34% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.30%
+14.8% YoY
+27.2% QoQ
|
-0.26% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
40% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.97%
(Tier avg: 67.73%, National avg: 65.09%)
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
90
90th pctile
Efficiency Ratio
Current: 49.97% · Tier avg: 67.73%
89
89th pctile
Total Loans
Current: $278.8M · Tier avg: $139.2M
85
85th pctile
Total Assets
Current: $378.4M · Tier avg: $217.5M
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.40% · Tier avg: 74.53%
80
80th pctile
Total Deposits
Current: $295.4M · Tier avg: $183.7M
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.19% · Tier avg: 22.39%
Top Weaknesses
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.19% · Tier avg: 22.39%
40
40th pctile
Non-Interest Income / Assets
Current: 0.30% · Tier avg: 0.56%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.15% · Tier avg: 0.64%
80
80th pctile
Total Deposits
Current: $295.4M · Tier avg: $183.7M
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.40% · Tier avg: 74.53%
85
85th pctile
Return on Assets
Current: 1.79% · Tier avg: 1.08%
85
85th pctile
Total Assets
Current: $378.4M · Tier avg: $217.5M
89
89th pctile
Total Loans
Current: $278.8M · Tier avg: $139.2M
90
90th pctile
Efficiency Ratio
Current: 49.97% · Tier avg: 67.73%