BlastPoint's Banking Scorecard
United Bank of Iowa
Community
Specialty: Agricultural
IA
FDIC cert 958
Ida Grove, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
United Bank of Iowa faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 34% in Community
- - Net Interest Margin 1.01% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.5B
+3.0% YoY
-0.1% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$1.6B
+4.2% YoY
+1.2% QoQ
|
+$643.9M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$1.9B
+2.9% YoY
+0.4% QoQ
|
+$781.1M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
84% |
| Return on Assets ? |
1.17%
+40.1% YoY
+10.0% QoQ
|
0 |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
53% |
| Net Interest Margin ? |
2.65%
+17.9% YoY
+1.8% QoQ
|
-1.01% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
58.89%
-8.8% YoY
-3.1% QoQ
|
-3.74% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.25%
-20.6% YoY
-10.6% QoQ
|
-0.38% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
66% |
| Loan-to-Deposit Ratio ? |
83.23%
+1.3% YoY
+0.8% QoQ
|
+0.17% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
45% |
| Non-Interest-Bearing Deposit Share ? |
18.18%
+2.2% YoY
+9.5% QoQ
|
-2.86% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
40% |
| Nonperforming Asset Ratio ? |
0.17%
-21.6% YoY
-9.0% QoQ
|
-0.33% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
69% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.63%
+11.3% YoY
+55.2% QoQ
|
-0.11% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Capital Thin
risk
#146 of 432 · Bottom 34% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Bottom 8%
in Community
Why this stands out
Current:
2.65%
(Tier avg: 3.66%, 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
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
61
61th pctile
Efficiency Ratio
Current: 58.89% · Tier avg: 62.63%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.23% · Tier avg: 83.06%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.66%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.65% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
40
40th pctile
Non-Interest-Bearing Deposit Share
Current: 18.18% · Tier avg: 21.05%
45
45th pctile
Loan-to-Deposit Ratio
Current: 83.23% · Tier avg: 83.06%
53
53th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
61
61th pctile
Efficiency Ratio
Current: 58.89% · Tier avg: 62.63%
64
64th pctile
Non-Interest Income / Assets
Current: 0.63% · Tier avg: 0.74%
66
66th pctile
Delinquency Rate
Current: 0.25% · Tier avg: 0.63%
69
69th pctile
Nonperforming Asset Ratio
Current: 0.17% · Tier avg: 0.50%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
84
84th pctile
Total Deposits
Current: $1.9B · Tier avg: $1.2B
86
86th pctile
Total Assets
Current: $2.5B · Tier avg: $1.4B