BlastPoint's Banking Scorecard
PCSB Bank
Clarinda, IA
7 branches across IA
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 167 in IA.
- Deposits +1.0% year over year ($294.0M on the books).
- Delinquency rate 0.25%.
- Return on assets 0.91%.
- Efficiency ratio 69.63% vs a 64.48% peer average.
- Loan-to-deposit ratio 60.34% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
PCSB Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 45.8% in tier
- - Net Interest Margin 1.07% below tier average
- - ROA 0.42% below tier average
- - Efficiency Ratio 5.15% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$326.1M
+2.4% YoY
-1.9% QoQ
|
-$60.5M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
50% |
| Total Loans ? |
$177.4M
+2.3% YoY
+1.6% QoQ
|
-$80.9M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
43% |
| Total Deposits ? |
$294.0M
+1.0% YoY
-2.6% QoQ
|
-$32.7M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
54% |
| Return on Assets ? |
0.91%
+36.4% YoY
+2.0% QoQ
|
-0.42% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
29% |
| Net Interest Margin ? |
2.91%
+10.0% YoY
+2.9% QoQ
|
-1.07% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
Bottom 8.0% in tier |
| Efficiency Ratio ? |
69.63%
-8.2% YoY
+1.0% QoQ
|
+5.15% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
31% |
| Delinquency Rate ? |
0.25%
-81.6% YoY
-18.2% QoQ
|
-0.67% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
60.34%
+1.3% YoY
+4.4% QoQ
|
-17.61% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
82% |
| Non-Interest-Bearing Deposit Share ? |
16.19%
+7.2% YoY
-2.0% QoQ
|
-5.84% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
28% |
| Nonperforming Asset Ratio ? |
0.14%
-81.7% YoY
-42.3% QoQ
|
-0.53% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
67% |
| Tier 1 Capital Ratio ? |
11.09%
+3.8% YoY
-0.2% QoQ
|
-4.82% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
24% |
| Non-Interest Income / Assets ? |
0.15%
-13.7% YoY
+137.8% QoQ
|
-0.41% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
35% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
16.2%
+1.1pp YoY -0.3pp QoQ |
-6.0pp | 22.1% | 17.8% | 22.2% | 28% |
| Brokered Deposits | n/a | n/a | 7.9% | 6.0% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
10.0%
+0.5pp YoY -0.1pp QoQ |
-1.6pp | 11.6% | 12.8% | 12.5% | 52% |
| CRE | n/a | n/a | 39.5% | 28.3% | 41.4% | n/a |
| 1-4 Family |
17.4%
+0.2pp YoY -0.3pp QoQ |
-15.2pp | 32.6% | 23.0% | 31.3% | 24% |
| Consumer |
3.5%
0.0pp YoY +0.3pp QoQ |
-0.6pp | 4.1% | 2.9% | 5.0% | 66% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
11.1%
+0.4pp YoY 0.0pp QoQ |
-1.1pp | 12.2% | 12.4% | 12.6% | 52% |
| Total Capital Ratio | n/a | n/a | 19.9% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
41
-2 (-4.7%) YoY -1 (-2.4%) QoQ |
-18 | 58 | 64 | 482 | 42% |
| Assets per Employee ($) |
$8.0M
+7.4% YoY +0.5% QoQ |
+$435K | $7.5M | $8.9M | $8.8M | 67% |
| Branch Count |
7
0 YoY 0 QoQ |
+2 | 4 | 5 | 18 | 75% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.2%
-0.7pp YoY -0.1pp QoQ |
-0.2pp | 0.3% | 0.4% | 0.4% | 60% |
| Nonaccrual |
0.1%
-0.4pp YoY 0.0pp QoQ |
-0.8pp | 0.9% | 1.0% | 1.0% | 17% |
| Allowance Coverage |
4.50x
+423.6% YoY +21.8% QoQ |
-19.65x | 24.15x | 18.97x | 20.23x | 68% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY -0.1pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 53% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+1.3pp YoY -0.1pp QoQ |
-2.0pp | 12.2% | 12.8% | 11.6% | 38% |
| Cost of Funds (YTD) |
1.7%
-0.2pp YoY 0.0pp QoQ |
0.0pp | 1.7% | 1.8% | 1.7% | 52% |
| Net Income ($, YTD) |
$1.5M
+39.3% YoY — QoQ |
-$1.1M | $2.6M | $4.0M | $40.4M | 42% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.