BlastPoint's Banking Scorecard
Premier Bank
Dubuque, IA
3 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 +4.0% year over year ($304.8M on the books).
- Delinquency rate 0.07%.
- Return on assets 1.15%.
- Efficiency ratio 66.16% vs a 64.48% peer average.
- Loan-to-deposit ratio 86.33% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Premier Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.85% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.18% below tier average
- - Net Interest Margin 0.65% below tier average
- - Efficiency Ratio 1.68% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$357.7M
+3.0% YoY
-3.5% QoQ
|
-$28.8M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$263.2M
+4.7% YoY
+5.1% QoQ
|
+$4.8M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
61% |
| Total Deposits ? |
$304.8M
+4.0% YoY
-3.7% QoQ
|
-$21.9M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.15%
+57.4% YoY
+4.9% QoQ
|
-0.18% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
44% |
| Net Interest Margin ? |
3.34%
+14.3% YoY
+2.6% QoQ
|
-0.65% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
21% |
| Efficiency Ratio ? |
66.16%
-9.7% YoY
-1.1% QoQ
|
+1.68% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
39% |
| Delinquency Rate ? |
0.07%
-76.7% YoY
-80.6% QoQ
|
-0.85% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
86.33%
+0.7% YoY
+9.1% QoQ
|
+8.38% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
15.77%
-7.3% YoY
+0.4% QoQ
|
-6.26% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
27% |
| Nonperforming Asset Ratio ? |
0.22%
+9.0% YoY
-2.9% QoQ
|
-0.45% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
12.40%
-1.1% YoY
-5.9% QoQ
|
-3.51% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
40% |
| Non-Interest Income / Assets ? |
0.16%
+21.4% YoY
+111.2% QoQ
|
-0.40% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
39% |
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 |
15.8%
-1.2pp YoY +0.1pp QoQ |
-6.4pp | 22.1% | 17.8% | 22.2% | 27% |
| Brokered Deposits |
0.1%
0.0pp YoY 0.0pp QoQ |
-7.7pp | 7.9% | 6.0% | 8.5% | 6% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
16.8%
+0.1pp YoY -1.5pp QoQ |
+5.3pp | 11.6% | 12.8% | 12.5% | 81% |
| CRE |
46.7%
-1.2pp YoY +0.3pp QoQ |
+7.1pp | 39.5% | 28.3% | 41.4% | 65% |
| 1-4 Family |
30.8%
+0.7pp YoY +0.7pp QoQ |
-1.8pp | 32.6% | 23.0% | 31.3% | 53% |
| Consumer |
0.8%
0.0pp YoY 0.0pp QoQ |
-3.3pp | 4.1% | 2.9% | 5.0% | 24% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.4%
-0.1pp YoY -0.8pp QoQ |
-6.4pp | 18.8% | 15.4% | 19.7% | 21% |
| Leverage Ratio |
8.9%
-0.5pp YoY -0.3pp QoQ |
-3.3pp | 12.2% | 12.4% | 12.6% | 11% |
| Total Capital Ratio |
13.4%
-0.2pp YoY -0.8pp QoQ |
-6.5pp | 19.9% | 16.5% | 20.8% | 21% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
39
-1 (-2.5%) YoY -1 (-2.5%) QoQ |
-20 | 58 | 64 | 482 | 40% |
| Assets per Employee ($) |
$9.2M
+5.6% YoY -1.0% QoQ |
+$1.7M | $7.5M | $8.9M | $8.8M | 80% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 5 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.1%
-0.2pp YoY -0.3pp QoQ |
-0.9pp | 0.9% | 1.0% | 1.0% | 14% |
| Allowance Coverage |
13.70x
+293.3% YoY +371.0% QoQ |
-10.45x | 24.15x | 18.97x | 20.23x | 85% |
| Net Charge-off Rate (YTD) |
0.1%
-0.1pp YoY |
-0.1pp | 0.1% | 0.1% | 0.2% | 73% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.3%
+4.9pp YoY +0.7pp QoQ |
+2.1pp | 12.2% | 12.8% | 11.6% | 64% |
| Cost of Funds (YTD) |
1.4%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.7% | 1.8% | 1.7% | 31% |
| Net Income ($, YTD) |
$2.1M
+59.8% YoY — QoQ |
-$465K | $2.6M | $4.0M | $40.4M | 54% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.