BlastPoint's Banking Scorecard
First State Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8522
Designations: ✓ Community bank
Britt, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First State Bank shows strong momentum with 3 strengths and 6.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 30.06% below tier
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% 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 ? |
$130.8M
+6.9% YoY
+6.0% QoQ
|
-$86.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$60.6M
-11.0% YoY
+2.8% QoQ
|
-$78.6M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
25% |
| Total Deposits ? |
$107.3M
+4.2% YoY
+6.9% QoQ
|
-$76.4M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
1.03%
-30.6% YoY
+13.5% QoQ
|
-0.05% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
2.91%
-5.1% YoY
-0.4% QoQ
|
-0.94% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
37.67%
+2.7% YoY
+0.7% QoQ
|
-30.06% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 1% in tier |
| Delinquency Rate ? |
0.00%
-100.0% QoQ
|
-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 ? |
56.44%
-14.6% YoY
-3.8% QoQ
|
-18.08% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
80% |
| Non-Interest-Bearing Deposit Share ? |
15.54%
+3.9% YoY
+1.5% QoQ
|
-6.85% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% QoQ
|
-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 ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
+18.0% YoY
+14.5% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
23% |
Signature Analysis
Strengths (3)
Efficiency Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
37.67%
(Tier avg: 67.73%, National avg: 65.09%)
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%)
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
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%
99
99th pctile
Efficiency Ratio
Current: 37.67% · Tier avg: 67.73%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.44% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
32
32th pctile
Total Assets
Current: $130.8M · Tier avg: $217.5M
31
31th pctile
Total Deposits
Current: $107.3M · Tier avg: $183.7M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.54% · Tier avg: 22.39%
25
25th pctile
Total Loans
Current: $60.6M · Tier avg: $139.2M
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
13
13th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.85%
Top Weaknesses
13
13th pctile
Net Interest Margin
Current: 2.91% · Tier avg: 3.85%
23
23th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
25
25th pctile
Total Loans
Current: $60.6M · Tier avg: $139.2M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.54% · Tier avg: 22.39%
31
31th pctile
Total Deposits
Current: $107.3M · Tier avg: $183.7M
32
32th pctile
Total Assets
Current: $130.8M · Tier avg: $217.5M
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
80
80th pctile
Loan-to-Deposit Ratio
Current: 56.44% · Tier avg: 74.53%
99
99th pctile
Efficiency Ratio
Current: 37.67% · Tier avg: 67.73%
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%