BlastPoint's Banking Scorecard

Peoples Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14692

Clive, IA

8 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 +10.4% year over year ($464.3M on the books).
Delinquency rate 0.15%.
Return on assets 1.17%.
Efficiency ratio 62.58% vs a 64.48% peer average.
Loan-to-deposit ratio 72.88% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Peoples Bank has 3 strengths but faces 5 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

+ Non-Interest Income / Assets 0.08% below tier average
+ Efficiency Ratio 1.90% below tier average
+ Delinquency Rate 0.77% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 10.5% in tier
- Credit Quality Pressure: Bottom 12.0% in tier
- Credit Risk Growth: Bottom 41.1% in tier
- Net Interest Margin 1.05% below tier average
- ROA 0.15% below tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$529.6M +9.0% YoY +0.9% QoQ	+$143.1M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$338.4M +10.1% YoY +2.2% QoQ	+$80.0M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	72%
Total Deposits ?	$464.3M +10.4% YoY +2.3% QoQ	+$137.6M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	76%
Return on Assets ?	1.17% +31.2% YoY -22.0% QoQ	-0.15%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	46%
Net Interest Margin ?	2.93% +9.1% YoY -0.2% QoQ	-1.05%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	Bottom 8.2% in tier
Efficiency Ratio ?	62.58% -4.5% YoY +7.1% QoQ	-1.90%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	49%
Delinquency Rate ?	0.15% +38.2% YoY -20.6% QoQ	-0.77%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	69%
Loan-to-Deposit Ratio ?	72.88% -0.3% YoY -0.1% QoQ	-5.07%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	64%
Non-Interest-Bearing Deposit Share ?	11.86% -24.7% YoY -5.2% QoQ	-10.17%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	Bottom 14.2% in tier
Nonperforming Asset Ratio ?	0.10% -3.9% YoY -19.6% QoQ	-0.57%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	72%
Tier 1 Capital Ratio ?	10.79% -2.3% YoY -2.2% QoQ	-5.12%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.49% +100.1% YoY +39.6% QoQ	-0.08%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	Top 9.8% in tier

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	11.9% -3.9pp YoY -0.6pp QoQ	-10.3pp	22.1%	17.8%	22.2%	14%
Brokered Deposits	5.1% +3.6pp YoY +0.3pp QoQ	-2.8pp	7.9%	6.0%	8.5%	52%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	2.1% -3.1pp YoY +0.6pp QoQ	-9.4pp	11.6%	12.8%	12.5%	7%
CRE	50.5% -0.1pp YoY -0.6pp QoQ	+11.0pp	39.5%	28.3%	41.4%	71%
1-4 Family	13.5% +0.1pp YoY -1.1pp QoQ	-19.2pp	32.6%	23.0%	31.3%	17%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-3.7pp	4.1%	2.9%	5.0%	14%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	10.8% -0.2pp YoY -0.2pp QoQ	-8.0pp	18.8%	15.4%	19.7%	6%
Leverage Ratio	8.1% -0.3pp YoY -0.3pp QoQ	-4.1pp	12.2%	12.4%	12.6%	3%
Total Capital Ratio	11.6% -0.2pp YoY -0.2pp QoQ	-8.3pp	19.9%	16.5%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	80 +2 (+2.6%) YoY +1 (+1.3%) QoQ	+21	58	64	482	77%
Assets per Employee ($)	$6.6M +6.3% YoY -0.3% QoQ	-$898K	$7.5M	$8.9M	$8.8M	45%
Branch Count	8 0 YoY 0 QoQ	+3	4	5	18	82%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.4%	0.4%	n/a
Nonaccrual	0.2% 0.0pp YoY 0.0pp QoQ	-0.8pp	0.9%	1.0%	1.0%	25%
Allowance Coverage	6.10x -19.8% YoY +31.2% QoQ	-18.05x	24.15x	18.97x	20.23x	74%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	44%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	14.2% +2.3pp YoY -3.8pp QoQ	+2.0pp	12.2%	12.8%	11.6%	63%
Cost of Funds (YTD)	2.3% -0.1pp YoY 0.0pp QoQ	+0.6pp	1.7%	1.8%	1.7%	85%
Net Income ($, YTD)	$3.0M +40.9% YoY — QoQ	+$476K	$2.6M	$4.0M	$40.4M	70%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (3)

NIB Deposit Bleed

decline

#18 of 162 • Bottom 10.5% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 11.86%

(Tier: 22.03%, National: 21.98%)

worse than tier avg

162 of 162 Community banks match · 211 nationally

↓ Shrinking -26 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk

#152 of 1256 • Bottom 12.0% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.15%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank improving

Credit Risk Growth

risk

#386 of 936 • Bottom 41.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 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).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

260

Non-Interest Income / Assets

revenue_mix

Value: 0.49%

Peer Median: 0.57%

#260 of 2643 Top 9.8% in $100M-$1B

624

Total Deposits

size

Value: $464.32M

Peer Median: $326.73M

#624 of 2643 Top 23.6% in $100M-$1B

Top Weaknesses (3 metrics)

2426

Net Interest Margin

profitability

Value: 2.93%

Peer Median: 3.99%

#2426 of 2643 Bottom 8.2% in $100M-$1B

2269

Non-Interest-Bearing Deposit Share

funding

Value: 11.86%

Peer Median: 22.03%

#2269 of 2643 Bottom 14.2% in $100M-$1B

2107

Tier 1 Capital Ratio

capital

Value: 10.79%

Peer Median: 15.91%

#2107 of 2643 Bottom 20.3% in $100M-$1B