BlastPoint's Banking Scorecard

Peoples Savings Bank

$100M-$1B Specialty: Agricultural IA FDIC cert 14868

Wellsburg, IA

3 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Peoples Savings Bank has 1 strength but faces 8 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 0.67% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 3.0% in tier
- Liquidity Strain: Bottom 4.8% in tier
- Deposit Outflow: Bottom 10.9% in tier
- Capital Constraint: Bottom 17.6% in tier
- Non-Interest-Bearing Deposit Share 15.60% below tier average
- ROA 0.45% below tier average
- Net Interest Margin 0.71% below tier average
- Efficiency Ratio 7.34% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$183.6M -2.2% YoY -3.5% QoQ	-$202.5M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	22%
Total Loans ?	$137.8M -4.0% YoY -1.4% QoQ	-$117.9M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	32%
Total Deposits ?	$145.9M -4.4% YoY -2.7% QoQ	-$182.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	20%
Return on Assets ?	0.82% +28.7% YoY +15.8% QoQ	-0.45%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	27%
Net Interest Margin ?	3.22% +9.0% YoY +6.3% QoQ	-0.71%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	72.63% -4.8% YoY -1.0% QoQ	+7.34%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	27%
Delinquency Rate ?	0.22% -42.2% YoY -67.6% QoQ	-0.67%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	63%
Loan-to-Deposit Ratio ?	94.43% +0.5% YoY +1.3% QoQ	+17.80%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	16%
Non-Interest-Bearing Deposit Share ?	6.42% -21.1% YoY +4.2% QoQ	-15.60%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 5.0% in tier
Nonperforming Asset Ratio ?	0.17% -43.2% YoY -66.9% QoQ	-0.47%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	63%
Tier 1 Capital Ratio ?	9.63% +4.7% YoY +3.5% QoQ	-6.20%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	Bottom 5.9% in tier
Non-Interest Income / Assets ?	0.19% +20.6% YoY -75.1% QoQ	-0.09%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	84%

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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 (4)

Capital Thin

risk

#21 of 666 • Bottom 3.0% 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: 9.63%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#32 of 643 • Bottom 4.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.43%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Deposit Outflow

decline

#56 of 506 • Bottom 10.9% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ

Capital Constraint

risk

#20 of 108 • Bottom 17.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 94.43%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

Tier 1 Capital Ratio: 9.63%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

108 of 108 Community banks match · 148 nationally

↑ Growing +19 banks QoQ

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 2664 peers in $100M-$1B

Top Strengths (1 metrics)

424

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.28%

#424 of 2664 Top 15.9% in $100M-$1B

Top Weaknesses (6 metrics)

2531

Non-Interest-Bearing Deposit Share

funding

Value: 6.42%

Peer Median: 22.02%

#2531 of 2664 Bottom 5.0% in $100M-$1B

2508

Tier 1 Capital Ratio

capital

Value: 9.63%

Peer Median: 15.83%

#2508 of 2664 Bottom 5.9% in $100M-$1B

2242

Loan-to-Deposit Ratio

liquidity

Value: 94.43%

Peer Median: 76.64%

#2242 of 2664 Bottom 15.9% in $100M-$1B

2170

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2170 of 2664 Bottom 18.6% in $100M-$1B

2133

Total Deposits

size

Value: $145.90M

Peer Median: $327.97M

#2133 of 2664 Bottom 20.0% in $100M-$1B

2066

Total Assets

size

Value: $183.58M

Peer Median: $386.08M

#2066 of 2664 Bottom 22.5% in $100M-$1B