BlastPoint's Banking Scorecard

Principal Bank

$1B-$10B Specialty: Mortgage IA FDIC cert 34507

Des Moines, IA

884 banks in the $1B-$10B peer group nationally 27 in IA

Principal Bank has 4 strengths but faces 3 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

+ Profitability Leader: Top 25.8% in tier
+ Revenue Diversifier: Top 44.3% in tier
+ Efficiency Ratio 22.76% below tier average
+ Delinquency Rate 0.47% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 20.9% in tier
- Net Interest Margin 1.37% below tier average
- Non-Interest-Bearing Deposit Share 21.18% below 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 ?	$9.6B +10.6% YoY +2.9% QoQ	+$6.8B	$2.8B -0.1% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 1.0% in tier
Total Loans ?	$2.9B +10.8% YoY +0.8% QoQ	+$904.3M	$2.0B +0.6% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	81%
Total Deposits ?	$9.1B +10.2% YoY +3.0% QoQ	+$6.7B	$2.3B -0.3% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 0.1% in tier
Return on Assets ?	1.71% +58.1% YoY +37.6% QoQ	+0.35%	1.37% +19.6% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	81%
Net Interest Margin ?	2.45% -3.8% YoY +0.1% QoQ	-1.37%	3.82% +6.9% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	Bottom 5.0% in tier
Efficiency Ratio ?	38.30% -27.8% YoY -20.0% QoQ	-22.76%	61.06% -4.6% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 6.1% in tier
Delinquency Rate ?	0.42% +12.4% YoY -11.4% QoQ	-0.47%	0.89% +14.1% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	61%
Loan-to-Deposit Ratio ?	31.69% +0.5% YoY -2.2% QoQ	-52.51%	84.20% +0.3% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Top 2.3% in tier
Non-Interest-Bearing Deposit Share ?	0.11% -7.9% YoY +13.1% QoQ	-21.18%	21.29% -2.5% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	Bottom 0.7% in tier
Nonperforming Asset Ratio ?	0.12% +12.6% YoY -13.3% QoQ	-0.55%	0.67% +15.6% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	82%
Tier 1 Capital Ratio ?	15.24% -5.7% YoY -1.5% QoQ	+0.08%	15.16% +2.0% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	75%
Non-Interest Income / Assets ?	0.30% +134.9% YoY -61.5% QoQ	+0.04%	0.26% +1.6% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	Top 13.7% in tier

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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 (2)

Profitability Leader

growth

#58 of 221 • Top 25.8% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 1.71%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Revenue Diversifier

growth

#99 of 221 • Top 44.3% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 0.30%

(Tier: 0.26%, National: 0.32%)

better than tier avg

Return on Assets: 1.71%

(Tier: 1.37%, National: 1.23%)

better than tier avg

221 of 221 Mid-Market banks match · 926 nationally

→ Stable +3 banks QoQ

Concerns (1)

Credit Quality Pressure

risk

#108 of 513 • Bottom 20.9% in tier

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

Why this signature

Delinquency Rate: 0.42%

(Tier: 0.89%, National: 0.95%)

better than tier avg

513 of 513 Mid-Market banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

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 884 peers in $1B-$10B

Top Strengths (9 metrics)

Total Deposits

size

Value: $9.05B

Peer Median: $2.34B

#1 of 884 Top 0.1% in $1B-$10B

Total Assets

size

Value: $9.60B

Peer Median: $2.82B

#10 of 884 Top 1.0% in $1B-$10B

Loan-to-Deposit Ratio

liquidity

Value: 31.69%

Peer Median: 84.20%

#21 of 884 Top 2.3% in $1B-$10B

Efficiency Ratio

profitability

Value: 38.30%

Peer Median: 61.06%

#55 of 884 Top 6.1% in $1B-$10B

122

Non-Interest Income / Assets

revenue_mix

Value: 0.30%

Peer Median: 0.26%

#122 of 884 Top 13.7% in $1B-$10B

157

Nonperforming Asset Ratio

credit_quality

Value: 0.12%

Peer Median: 0.67%

#157 of 884 Top 17.6% in $1B-$10B

169

Total Loans

size

Value: $2.87B

Peer Median: $1.96B

#169 of 884 Top 19.0% in $1B-$10B

172

Return on Assets

profitability

Value: 1.71%

Peer Median: 1.37%

#172 of 884 Top 19.3% in $1B-$10B

221

Tier 1 Capital Ratio

capital

Value: 15.24%

Peer Median: 15.16%

#221 of 884 Top 24.9% in $1B-$10B

Top Weaknesses (2 metrics)

879

Non-Interest-Bearing Deposit Share

funding

Value: 0.11%

Peer Median: 21.29%

#879 of 884 Bottom 0.7% in $1B-$10B

841

Net Interest Margin

profitability

Value: 2.45%

Peer Median: 3.82%

#841 of 884 Bottom 5.0% in $1B-$10B