BlastPoint's Banking Scorecard
Peoples Bank
Designations: ✓ Community bank
Rock Valley, IA
10 branches across IA · MN · SD
Peoples Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 42.5% in tier
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 12.06% below tier average
Key Concerns
Areas that may need attention
- - NIB Deposit Bleed: Bottom 75.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+13.4% YoY
+3.8% QoQ
|
-$1.6B |
$2.8B
-0.1% YoY
|
$560.1M
+4.8% YoY
|
$6.2B
+9.1% YoY
|
18% |
| Total Loans ? |
$1.0B
+14.5% YoY
+4.5% QoQ
|
-$928.6M |
$2.0B
+0.6% YoY
|
$379.9M
+5.0% YoY
|
$3.2B
+10.8% YoY
|
33% |
| Total Deposits ? |
$1.0B
+10.3% YoY
+3.3% QoQ
|
-$1.3B |
$2.3B
-0.3% YoY
|
$469.6M
+4.4% YoY
|
$4.8B
+8.2% YoY
|
18% |
| Return on Assets ? |
2.03%
+14.2% YoY
+6.4% QoQ
|
+0.66% |
1.37%
+19.6% YoY
|
1.31%
+22.6% YoY
|
1.23%
+13.4% YoY
|
Top 9.7% in tier |
| Net Interest Margin ? |
4.04%
+5.9% YoY
+1.3% QoQ
|
+0.22% |
3.82%
+6.9% YoY
|
3.52%
+10.3% YoY
|
3.89%
+5.7% YoY
|
74% |
| Efficiency Ratio ? |
49.00%
-7.5% YoY
-0.3% QoQ
|
-12.06% |
61.06%
-4.6% YoY
|
58.40%
-7.6% YoY
|
66.95%
-4.1% YoY
|
81% |
| Delinquency Rate ? |
0.94%
-11.3% YoY
-16.4% QoQ
|
+0.05% |
0.89%
+14.1% YoY
|
0.92%
+14.5% YoY
|
0.95%
+18.8% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
100.26%
+3.8% YoY
+1.2% QoQ
|
+16.05% |
84.20%
+0.3% YoY
|
77.40%
+1.1% YoY
|
76.70%
+0.9% YoY
|
Bottom 12.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.78%
-13.7% YoY
-6.5% QoQ
|
-7.51% |
21.29%
-2.5% YoY
|
17.87%
+0.7% YoY
|
22.01%
-1.2% YoY
|
23% |
| Nonperforming Asset Ratio ? |
0.82%
-8.0% YoY
-13.5% QoQ
|
+0.14% |
0.67%
+15.6% YoY
|
0.58%
+11.7% YoY
|
0.67%
+19.3% YoY
|
26% |
| Tier 1 Capital Ratio ? |
11.65%
-0.3% YoY
-2.1% QoQ
|
-3.51% |
15.16%
+2.0% YoY
|
14.34%
+1.8% YoY
|
17.06%
+0.8% YoY
|
26% |
| Non-Interest Income / Assets ? |
0.14%
+1.4% YoY
-75.3% QoQ
|
-0.11% |
0.26%
+1.6% YoY
|
0.12%
+10.7% YoY
|
0.32%
+4.1% YoY
|
50% |
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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 (1)
Profitability Leader
growthTop-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Concerns (1)
NIB Deposit Bleed
declineNon-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.