BlastPoint's Banking Scorecard
FNB Bank
Micro
Specialty: Agricultural
IA
FDIC cert 954
Designations: ✓ Community bank
Fontanelle, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
FNB Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 28.47% above 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 ? |
$273.7M
+0.2% YoY
-1.0% QoQ
|
+$56.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
67% |
| Total Loans ? |
$218.6M
+4.3% YoY
+1.8% QoQ
|
+$79.5M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$212.3M
+0.7% YoY
+2.2% QoQ
|
+$28.6M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
63% |
| Return on Assets ? |
1.56%
+51.2% YoY
-6.7% QoQ
|
+0.47% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
77% |
| Net Interest Margin ? |
3.96%
+18.3% YoY
+0.7% QoQ
|
+0.11% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
57% |
| Efficiency Ratio ? |
60.04%
-14.7% YoY
+4.8% QoQ
|
-7.68% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
67% |
| Delinquency Rate ? |
0.02%
-4.1% QoQ
|
-0.62% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
80% |
| Loan-to-Deposit Ratio ? |
102.99%
+3.6% YoY
-0.4% QoQ
|
+28.47% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
18.65%
-3.0% YoY
-5.5% QoQ
|
-3.74% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
37% |
| Nonperforming Asset Ratio ? |
0.01%
-1.4% QoQ
|
-0.44% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
80% |
| 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 ? |
0.43%
-11.2% YoY
+33.9% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
60% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
102.99%
(Tier avg: 74.53%, National avg: 78.04%)
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
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.99% · Tier avg: 74.53%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
78
78th pctile
Total Loans
Current: $218.6M · Tier avg: $139.2M
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
67
67th pctile
Efficiency Ratio
Current: 60.04% · Tier avg: 67.73%
67
67th pctile
Total Assets
Current: $273.7M · Tier avg: $217.5M
63
63th pctile
Total Deposits
Current: $212.3M · Tier avg: $183.7M
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.65% · Tier avg: 22.39%
Top Weaknesses
37
37th pctile
Non-Interest-Bearing Deposit Share
Current: 18.65% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Net Interest Margin
Current: 3.96% · Tier avg: 3.85%
60
60th pctile
Non-Interest Income / Assets
Current: 0.43% · Tier avg: 0.56%
63
63th pctile
Total Deposits
Current: $212.3M · Tier avg: $183.7M
67
67th pctile
Total Assets
Current: $273.7M · Tier avg: $217.5M
67
67th pctile
Efficiency Ratio
Current: 60.04% · Tier avg: 67.73%
77
77th pctile
Return on Assets
Current: 1.56% · Tier avg: 1.08%
78
78th pctile
Total Loans
Current: $218.6M · Tier avg: $139.2M
80
80th pctile
Nonperforming Asset Ratio
Current: 0.01% · Tier avg: 0.45%
80
80th pctile
Delinquency Rate
Current: 0.02% · Tier avg: 0.64%
93
93th pctile
Loan-to-Deposit Ratio
Current: 102.99% · Tier avg: 74.53%