Ag Concentration
Watch
Holding-Company Cockpit
One screen for the President β all 18 entities, with the cross-sell view no single system can produce.
β
Real data β American State Bank, FDIC cert 228, FFIEC call report 12/31/2024 (public filing). Insurance commission & cross-sell remain sample (live from the agency AMS once connected); holding-co consolidation adds the affiliate bank + agency.
Bank Assets
$1.48B
FDIC 12/31/24
Total Deposits
$1.25B
real
Total Loans
$1.31B
real
Net Income
$15.5M
FY2024
Return on Assets
1.09%
ROE 10.85%
Efficiency Ratio
54.8%
βΌ lower = better
Insurance Commission YTD
$6.4M
sample β AMS feed
Cross-Sell Penetration
31%
sample β AMS feed
Entity Leaderboard 18 entities
| Location | Type | YTD Growth | Risk |
|---|---|---|---|
| Sioux Center | Bank | +6.1% | Low |
| Orange City | Bank | +5.4% | Low |
| Sheldon | Insurance | +9.2% | Low |
| Le Mars | Bank | +3.0% | Watch |
| Rock Valley | Insurance | +4.8% | Low |
| Hospers | Bank | β1.2% | Watch |
| Alton | Insurance | +2.1% | Low |
| Sioux Falls | Insurance | +11.4% | Low |
Sample subset of 18 Β· sortable in live version
Cross-Sell / Share of Wallet
White-space opportunity
4,820 households
bank customers with no policy PUBLIC DATA matched
Risk Heatmap
Credit Quality
Strong
Strong
Liquidity
Strong
Strong
Loss Ratio
Watch
Watch
Capital
Strong
Strong
Deposits
Stable
Stable
Commodity Px
Alert
Alert
Exam Ready
Yes
Yes
Green strong Β· amber watch Β· red needs attention
Needs Your Attention Auto-surfaced
Shared client β borrower & insured. Top-25 ag borrower has new tax lien filed + corn price down 9% MTD; farm policy renews in 22 days. PUBLIC DATA
Flagged 6:30 AM Β· affects bank + insurance
Loss-ratio drift. Sheldon commercial book loss ratio at 71% β threatens carrier contingency bonus tier.
Month-to-date
New business formation. 7 new LLCs registered in service area this week β commercial loan + COI leads. PUBLIC DATA
This week
Exam readiness. All BSA/AML & CRA documentation current; next exam window clear.
Updated daily
Perspective Insurance β Management View
What the principal watches: retention, book profitability, and the contingency bonus.
Written Premium (book)
$48.2M
β² 6.1% YoY
Commission YTD
$6.4M
β² 7.4%
Retention Rate
91.3%
β² 0.8 pts Β· #1 KPI
Book Loss Ratio
63%
β² contingency risk
Hit Ratio (quoteβbind)
38%
β² 3 pts
Policies in Force
19,440
β² 2.6%
Written Premium by Line
Health & Life lines carry protected health info β access-gated (see footer).
Loss Ratio by Carrier Contingency $
| Carrier | Premium | Loss Ratio | Bonus Tier |
|---|---|---|---|
| Nationwide | $28.1M | 61% | On track |
| Acuity | $9.4M | 58% | On track |
| Grinnell Mutual | $6.2M | 72% | At risk |
| Travelers | $4.5M | 66% | Watch |
Contingency/profit-share bonus depends on keeping these low.
Producer / Branch Leaderboard
| Branch | New Premium | Retention | Hit % |
|---|---|---|---|
| Sioux Center | $1.21M | 93% | 41% |
| Sheldon | $0.98M | 90% | 39% |
| Le Mars | $0.74M | 92% | 36% |
| Sioux Falls | $0.69M | 88% | 44% |
| Orange City | $0.61M | 94% | 33% |
Bank-Sourced Cross-Sell Funnel
Compliance: surfaced as opportunities only. Loan terms are never conditioned on buying a policy (anti-tying / Section 106).
Perspective Insurance β Desk View
The working screen: live queues and deadlines a CSR/producer grinds through every morning.
14
Pending Cancellations
Non-pay β cancels in β€5 days Β· SAVE
63
Renewals β Next 30 Days
22 flagged premium-increase
41
Endorsements Pending
Mid-term policy changes to process
28
Outstanding Quotes
Quoted, not bound β follow up
9
Open Claims / FNOL
3 awaiting client callback
17
UW Requests
Carrier needs photos/forms Β· deadline
11
COI Requests
Certificates β same-day
34
Suspense Due Today
Your diary / follow-ups
Renewals β Next 30 Days (split by action)
| Insured | Line | Ξ Premium | Action |
|---|---|---|---|
| Vande Berg Farms | Farm/Crop | +14% | Remarket |
| Hawkeye Mfg LLC | Commercial | +9% | Call |
| R. Jansen | Auto+Home | +2% | Auto-renew |
| Prairie Trucking | Commercial | Non-renew | Re-place |
| M. Feenstra | Home (mono) | +1% | Round acct |
Renewal prep auto-enriched with current property value, liens, claims-adjacent news PUBLIC DATA
My Day β Suspense / Activities
Call Vande Berg β farm renewal, premium +14%, corn price down. PUBLIC DATA
Due today Β· 9:00 AM
Send COI β Hawkeye Mfg for new contract.
Due today
Upload roof photos β Acuity UW request, Feenstra home.
Due in 2 days
Follow up quote β Prairie Trucking fleet, quoted 4 days ago.
Aging
Bind & issue β new LLC auto+GL, signed app received.
Ready
American State Bank β Management View
Balance sheet, credit quality, and the ag concentration that defines a NW Iowa bank.
β
Real β American State Bank, FDIC cert 228, FFIEC call report 12/31/2024.
Total Assets
$1.48B
FDIC 12/31/24
Total Deposits
$1.25B
real
Total Loans
$1.31B
real
ROA / ROE
1.09% / 10.85%
real
Efficiency Ratio
54.8%
βΌ lower = better
Tier 1 Ratio
11.14%
well-capitalized
Loan Portfolio by Type Ag concentration
Real call-report mix (FDIC 12/31/24). Ag = 21% of the $1.31B loan book β still the defining concentration to watch against land values + commodity prices.
Ag Early-Warning Overlay PUBLIC DATA
7 ag borrowers flagged: declining margins + collateral worth re-checking. Cross-listed with insurance farm book.
Credit Quality
| Category | Balance | % of loans | Trend |
|---|---|---|---|
| Noncurrent loans | $23.0M | 1.76% | real |
| Net charge-offs (FY) | $4.0M | 0.31% | real |
| Total equity capital | $147.9M | 11.14% T1 | real |
| Net interest income (FY) | $36.5M | β | real |
Deposits & Liquidity
American State Bank β Desk View (Lender / Ops)
The lender and operations working queues β pipeline, exceptions, and follow-ups due now.
23
Loans in Pipeline
8 in underwriting
12
Docs / Exceptions
Missing collateral / insurance docs
19
Maturing Loans (30d)
Renew / re-price decisions
7
Past-Due Follow-Up
30+ days β call list
15
Annual Reviews Due
Commercial / ag credits
4
Covenant Breaches
Financial covenant flags
6
BSA / AML Alerts
Review & clear/escalate
31
New Account Follow-Up
Onboarding + cross-sell
Borrower Watchlist PUBLIC DATA enriched
| Borrower | Exposure | Public-data flag | Action |
|---|---|---|---|
| Vande Berg Farms | $4.2M | New tax lien + commodity drop | Call |
| Prairie Trucking | $1.8M | DOT authority lapsed | Review |
| Hawkeye Mfg LLC | $2.6M | Lawsuit filed (vendor) | Monitor |
| NW Dairy Co-op | $5.1M | Clean | Annual review |
Borrowers cross-listed where they also hold a Perspective policy.
Today's Priority Follow-Ups
Call Vande Berg β past-due + lien; also farm-policy renewal (one conversation, both sides). PUBLIC DATA
Due today
Clear BSA alert β unusual wire pattern, new commercial account.
Due today
Collect insurance binder β CRE loan closing, hazard coverage doc missing.
Before funding
New LLC outreach β registered this week; loan + treasury + insurance. PUBLIC DATA
This week
Market Footprint β Live Public-Records Data
Computed in real time from the same enriched parcel data as the map β recorded mortgages, deeds, liens, court. No sample numbers on this tab.
Loadingβ¦
Competitive Mortgage Leaderboard Who holds the book
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Recorded mortgages by lender β refi / win-back targets. American Bank vs. everyone else.
By City
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Whitespace & Distress PUBLIC DATA
Lead Engine
Ranked prospects scored on public data β no credit report required, refreshed daily. Bank sees loan leads; insurance sees policy leads; the wall applies here too.
π¦ Bank β Loan Leads PUBLIC DATA Β· DAILY
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Score blends competitor-held mortgage (refi target), no current AmBank loan, distress signals, absentee/investor, ag, and recent transfer. Public records only.
π‘ Insurance β Policy Leads PUBLIC DATA Β· DAILY
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Score blends no Perspective policy on file, flood/hazard exposure, property value, distress, and AmBank-borrower warm cross-sell. Public records only.
Document Center
Upload, classify, and link documents to any party, property, loan, policy, or claim β one polymorphic store. OCR & e-sign in production; in-memory here.
Upload & link
Recent documents POLYMORPHIC
Each document attaches to a record via owner-type / owner-id, so it shows on the party, property, loan, policy, and case it relates to. Production: object storage + OCR extraction + e-signature; access-scoped & audit-logged (GLBA).
Search Β· Owner 360
Find any owner, LLC, address, or PID and see their full picture across the footprint β every property, every relationship, distress & hazard. Public-records party/property master.
Type a name, address, or parcel ID.
Mortgage Market β HMDA
Real recorded mortgage originations & denials by lender (2024 HMDA), county by county β your market share vs. every competitor. De-identified market data (aggregate, no applicant names).
Ag Intelligence
The NW Iowa franchise: farmland, ag borrowers, and the commodity/collateral early-warning that defines an ag bank. Public-records + soil data.
Ag Early-Warning Overlay PUBLIC DATA
Commodity/land figures are sample until a market feed (USDA/CME) is connected; borrower & acreage counts below are live from parcels.
Ag Borrowers to Watch PUBLIC DATA
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AmBank ag borrowers carrying a distress, flood, or competitor-refi signal β cross-listed with the insurance farm book.
Ag Footprint by County
Cases & Claims
The service life of the relationship β banking servicing tickets + insurance claims (FNOL), party-linked with an SLA clock. Wall applies; servicing cases auto-open from monitoring signals.
π¦ Servicing cases AUTO-OPENED FROM ALERTS
β¦
Opened from real distress signals (lien / delinquency / past-due). SLA: 2 business days standard, same-day for hardship/dispute.
π‘ Claims (FNOL)
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Illustrative claim workflow β claims load live from the agency AMS. FNOL flagged off high-hazard properties for the demo.
Case detail
Click a case to open it.
SLA & escalation follow state DOI claims-handling timelines; status changes, decisions, and reserve changes are audit-logged; denial reasons documented (no prohibited-basis factors); case content is customer record (GLBA), access-scoped, servicing vs. claims walled.
Connect & Data
Plug EFOS into your systems and import your own books. Public records (Aletheia) are already live; everything else connects here. π Customer / NPI data stays in your environment.
Data sources
Import your book YOUR DATA
Upload your Perspective policy book or bank customer list (CSV). EFOS matches it to parcels & parties by owner/address β nothing leaves your environment.
Add manually
Demo: connections are illustrative and imports parse in your browser only (in-memory). In production each source is an authenticated integration with its own credentials, FCRA/GLBA permissible-use controls, and the bank/insurance wall enforced at the data layer.
CRM & Pipeline
Relationships & opportunities β seeded live from public-records signals, ready to hand off to Jack Henry / quoting. Wall applies: each division works its own book.
Cross-sell is surfaced as opportunity only β loan availability and pricing are never conditioned on buying a policy (anti-tying / BHC Act Β§106). Referrals and handoffs are logged.
Pipeline drag-free demo
Contact 360
Click a pipeline card to open the relationship.
Insurance Risk β Geographic & Environmental
County-grain hazard, peril, and exposure for actuarial & catastrophe analysis. Insurance & executive roles only β walled from lending.
Guardrails: price places and pools, not people's health. Geographic hazard rating (flood, hail, wind) is standard for property/auto. Socioeconomic & crime layers are portfolio/market-analysis only and are blocked from lending/credit decisions (ECOA / Fair Housing redlining). Health-status data is never used for an individual's ACA medical premium. Every layer is timestamped & versioned.
Loading county risk profilesβ¦
Health & mortality layers PENDING PULL
Life / LTC / Medicare population layers β CDC PLACES (chronic disease), NIH HDPulse & CDC WONDER (mortality), USALEEP (life expectancy), County Health Rankings β are catalogued but not yet ingested into the master. They attach at county/tract grain for population analysis only, are never used for individual ACA medical rating, and stay walled from lending. This is the next data pull.
Market Penetration Map
Every parcel in the footprint, colored by relationship. Click a parcel for the full enriched card.