BlastPoint's Banking Scorecard
First Trust and Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 8752
Designations: ✓ Community bank
Wheatland, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
First Trust and Savings Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.79% above tier
Key Concerns
Areas that may need attention
- - Nonperforming Asset Ratio 1.62% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$300.1M
+8.9% YoY
+2.0% QoQ
|
+$82.6M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
72% |
| Total Loans ? |
$261.3M
+6.6% YoY
+0.7% QoQ
|
+$122.1M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 13% in tier |
| Total Deposits ? |
$252.9M
+8.4% YoY
+3.8% QoQ
|
+$69.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
72% |
| Return on Assets ? |
1.17%
-6.5% YoY
-12.9% QoQ
|
+0.09% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
57% |
| Net Interest Margin ? |
3.98%
+6.3% YoY
+0.1% QoQ
|
+0.12% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
58% |
| Efficiency Ratio ? |
60.35%
-3.0% YoY
+0.6% QoQ
|
-7.38% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
66% |
| Delinquency Rate ? |
2.38%
+61.2% YoY
+28.3% QoQ
|
+1.75% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 10% in tier |
| Loan-to-Deposit Ratio ? |
103.32%
-1.7% YoY
-3.0% QoQ
|
+28.79% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
17.43%
-7.3% YoY
+7.6% QoQ
|
-4.96% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
31% |
| Nonperforming Asset Ratio ? |
2.08%
+57.8% YoY
+26.6% QoQ
|
+1.62% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% 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 ? |
0.27%
-2.6% YoY
+42.3% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
103.32%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.08%
(Tier avg: 0.45%, National avg: 0.48%)
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
94
94th pctile
Loan-to-Deposit Ratio
Current: 103.32% · Tier avg: 74.53%
87
87th pctile
Total Loans
Current: $261.3M · Tier avg: $139.2M
72
72th pctile
Total Assets
Current: $300.1M · Tier avg: $217.5M
72
72th pctile
Total Deposits
Current: $252.9M · Tier avg: $183.7M
66
66th pctile
Efficiency Ratio
Current: 60.35% · Tier avg: 67.73%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.43% · Tier avg: 22.39%
10
10th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.45%
Top Weaknesses
6
6th pctile
Nonperforming Asset Ratio
Current: 2.08% · Tier avg: 0.45%
10
10th pctile
Delinquency Rate
Current: 2.38% · Tier avg: 0.64%
31
31th pctile
Non-Interest-Bearing Deposit Share
Current: 17.43% · Tier avg: 22.39%
36
36th pctile
Non-Interest Income / Assets
Current: 0.27% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.08%
58
58th pctile
Net Interest Margin
Current: 3.98% · Tier avg: 3.85%
66
66th pctile
Efficiency Ratio
Current: 60.35% · Tier avg: 67.73%
72
72th pctile
Total Deposits
Current: $252.9M · Tier avg: $183.7M
72
72th pctile
Total Assets
Current: $300.1M · Tier avg: $217.5M
87
87th pctile
Total Loans
Current: $261.3M · Tier avg: $139.2M
94
94th pctile
Loan-to-Deposit Ratio
Current: 103.32% · Tier avg: 74.53%