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PCSB Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14522

Clarinda, IA

7 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA
View $100M-$1B leaderboard (IA) →

PCSB Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.58% below tier average

Key Concerns

Areas that may need attention

  • - Capital Thin: Bottom 46.0% in tier
  • - Net Interest Margin 1.10% below tier average
  • - ROA 0.38% below tier average
  • - Efficiency Ratio 3.65% above tier average
Get updates when PCSB Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (IA) National Avg Tier Percentile
Total Assets ? $332.3M
+2.5% YoY -1.4% QoQ
-$53.7M $386.1M
+0.5% YoY
$560.1M
+4.8% YoY
$6.2B
+9.1% YoY
52%
Total Loans ? $174.5M
+2.3% YoY -2.7% QoQ
-$81.2M $255.7M
+1.1% YoY
$379.9M
+5.0% YoY
$3.2B
+10.8% YoY
43%
Total Deposits ? $301.9M
+1.1% YoY -1.6% QoQ
-$26.0M $328.0M
+0.1% YoY
$469.6M
+4.4% YoY
$4.8B
+8.2% YoY
55%
Return on Assets ? 0.89%
+26.9% YoY +24.7% QoQ
-0.38% 1.27%
+12.9% YoY
1.31%
+22.6% YoY
1.23%
+13.4% YoY
31%
Net Interest Margin ? 2.83%
+9.3% YoY +4.0% QoQ
-1.10% 3.93%
+6.0% YoY
3.52%
+10.3% YoY
3.89%
+5.7% YoY
Bottom 7.3% in tier
Efficiency Ratio ? 68.94%
-7.2% YoY -7.4% QoQ
+3.65% 65.29%
-4.5% YoY
58.40%
-7.6% YoY
66.95%
-4.1% YoY
35%
Delinquency Rate ? 0.31%
-76.7% YoY +83.7% QoQ
-0.58% 0.89%
+18.8% YoY
0.92%
+14.5% YoY
0.95%
+18.8% YoY
57%
Loan-to-Deposit Ratio ? 57.80%
+1.2% YoY -1.1% QoQ
-18.84% 76.64%
+0.8% YoY
77.40%
+1.1% YoY
76.70%
+0.9% YoY
84%
Non-Interest-Bearing Deposit Share ? 16.52%
+2.5% YoY -25.4% QoQ
-5.50% 22.02%
-1.0% YoY
17.87%
+0.7% YoY
22.01%
-1.2% YoY
30%
Nonperforming Asset Ratio ? 0.24%
-65.8% YoY +45.0% QoQ
-0.40% 0.64%
+19.7% YoY
0.58%
+11.7% YoY
0.67%
+19.3% YoY
56%
Tier 1 Capital Ratio ? 11.11%
+5.8% YoY +2.8% QoQ
-4.72% 15.83%
+1.5% YoY
14.34%
+1.8% YoY
17.06%
+0.8% YoY
25%
Non-Interest Income / Assets ? 0.06%
-33.2% YoY -79.6% QoQ
-0.22% 0.28%
+9.3% YoY
0.12%
+10.7% YoY
0.32%
+4.1% YoY
29%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Capital Thin

risk
#307 of 666 • Bottom 46.0% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature
Tier 1 Capital Ratio: 11.11%
(Tier: 15.83%, National: 17.06%)
worse than tier avg
666 of 666 Community banks match · 926 nationally
→ Stable +3 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

440
Loan-to-Deposit Ratio
liquidity
Value: 57.80%
Peer Median: 76.64%
#440 of 2664 Top 16.5% in $100M-$1B

Top Weaknesses (2 metrics)

2471
Net Interest Margin
profitability
Value: 2.83%
Peer Median: 3.93%
#2471 of 2664 Bottom 7.3% in $100M-$1B
2012
Tier 1 Capital Ratio
capital
Value: 11.11%
Peer Median: 15.83%
#2012 of 2664 Bottom 24.5% in $100M-$1B
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