BlastPoint's Banking Scorecard
Peoples Bank
Designations: ✓ Community bank
Rock Valley, IA
10 branches across IA · MN · SD
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 885 banks in the $1B-$10B peer group nationwide — 1 of 27 in IA.
- Deposits +11.2% year over year ($1.0B on the books).
- Delinquency rate 0.86%.
- Return on assets 2.10%.
- Efficiency ratio 47.97% vs a 59.73% peer average.
- Loan-to-deposit ratio 101.97% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank shows strong momentum with 3 strengths and 12.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 41.4% in tier
- + Net Interest Margin 0.22% above tier average
- + Efficiency Ratio 11.76% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+12.7% YoY
+2.6% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
20% |
| Total Loans ? |
$1.1B
+14.8% YoY
+3.1% QoQ
|
-$894.5M |
$2.0B
-0.3% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
35% |
| Total Deposits ? |
$1.0B
+11.2% YoY
+1.4% QoQ
|
-$1.3B |
$2.3B
-0.5% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
19% |
| Return on Assets ? |
2.10%
+11.9% YoY
+3.9% QoQ
|
+0.71% |
1.39%
+17.0% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
Top 8.6% in tier |
| Net Interest Margin ? |
4.09%
+4.7% YoY
+1.3% QoQ
|
+0.22% |
3.87%
+6.2% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
73% |
| Efficiency Ratio ? |
47.97%
-4.8% YoY
-2.1% QoQ
|
-11.76% |
59.73%
-12.6% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
82% |
| Delinquency Rate ? |
0.86%
-6.8% YoY
-7.9% QoQ
|
+0.00% |
0.87%
+11.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
101.97%
+3.2% YoY
+1.7% QoQ
|
+16.93% |
85.04%
-0.1% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 10.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.18%
-13.2% YoY
+2.9% QoQ
|
-7.10% |
21.27%
-1.5% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.76%
-2.3% YoY
-7.3% QoQ
|
+0.08% |
0.67%
+11.7% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
30% |
| Tier 1 Capital Ratio ? |
10.73%
-8.6% YoY
-7.9% QoQ
|
-4.11% |
14.84%
-0.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
Bottom 13.7% in tier |
| Non-Interest Income / Assets ? |
0.28%
-1.8% YoY
+95.5% QoQ
|
-0.25% |
0.53%
+2.5% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
48% |
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 |
14.2%
-2.1pp YoY +0.4pp QoQ |
-7.2pp | 21.4% | 17.8% | 22.2% | 24% |
| Brokered Deposits |
7.0%
+4.1pp YoY +1.9pp QoQ |
-2.5pp | 9.5% | 6.0% | 8.5% | 58% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.4%
-1.7pp YoY -0.2pp QoQ |
+1.4pp | 14.0% | 12.8% | 12.5% | 69% |
| CRE |
19.2%
-0.1pp YoY +0.5pp QoQ |
-30.8pp | 50.0% | 28.3% | 41.4% | 3% |
| 1-4 Family |
8.6%
+0.3pp YoY -0.2pp QoQ |
-17.8pp | 26.4% | 23.0% | 31.3% | 13% |
| Consumer |
1.3%
-0.4pp YoY -0.1pp QoQ |
-3.5pp | 4.7% | 2.9% | 5.0% | 51% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 15.4% | 19.7% | n/a |
| Leverage Ratio |
10.7%
+0.2pp YoY 0.0pp QoQ |
-0.6pp | 11.3% | 12.4% | 12.6% | 54% |
| Total Capital Ratio | n/a | n/a | 16.7% | 16.5% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
148
+11 (+8.0%) YoY +9 (+6.5%) QoQ |
-166 | 313 | 64 | 482 | 21% |
| Assets per Employee ($) |
$8.5M
+4.3% YoY -3.7% QoQ |
-$2.0M | $10.5M | $8.9M | $8.8M | 47% |
| Branch Count |
10
0 YoY 0 QoQ |
-10 | 20 | 5 | 18 | 29% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.3%
-0.6pp YoY 0.0pp QoQ |
+0.2pp | 0.2% | 0.4% | 0.4% | 91% |
| Nonaccrual |
0.5%
+0.5pp YoY -0.1pp QoQ |
-0.3pp | 0.8% | 1.0% | 1.0% | 50% |
| Allowance Coverage |
1.54x
+11.8% YoY +8.9% QoQ |
-17.17x | 18.71x | 18.97x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.1% | 0.2% | 34% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
19.2%
+1.7pp YoY +0.6pp QoQ |
+6.6pp | 12.6% | 12.8% | 11.6% | 89% |
| Cost of Funds (YTD) |
2.3%
-0.2pp YoY 0.0pp QoQ |
+0.3pp | 1.9% | 1.8% | 1.7% | 75% |
| Net Income ($, YTD) |
$12.8M
+26.0% YoY — QoQ |
-$6.4M | $19.2M | $4.0M | $40.4M | 52% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.