BlastPoint's Banking Scorecard
Peoples Savings Bank
Indianola, IA
8 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 +9.4% year over year ($533.7M on the books).
- Delinquency rate 0.92%.
- Return on assets 0.97%.
- Efficiency ratio 63.28% vs a 64.48% peer average.
- Loan-to-deposit ratio 64.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Savings Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 1.20% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Net Interest Margin 0.61% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$610.4M
+10.4% YoY
-6.4% QoQ
|
+$223.9M |
$386.6M
+1.2% YoY
|
$566.2M
+5.8% YoY
|
$6.3B
+7.7% YoY
|
81% |
| Total Loans ? |
$345.9M
+11.3% YoY
+4.3% QoQ
|
+$87.6M |
$258.3M
+1.7% YoY
|
$385.0M
+5.4% YoY
|
$3.2B
+9.4% YoY
|
74% |
| Total Deposits ? |
$533.7M
+9.4% YoY
-8.3% QoQ
|
+$207.0M |
$326.7M
+0.7% YoY
|
$472.4M
+6.3% YoY
|
$4.9B
+7.3% YoY
|
83% |
| Return on Assets ? |
0.97%
+66.9% YoY
+14.4% QoQ
|
-0.35% |
1.32%
+10.8% YoY
|
1.58%
+39.1% YoY
|
1.30%
+12.1% YoY
|
32% |
| Net Interest Margin ? |
3.38%
+10.2% YoY
+4.9% QoQ
|
-0.61% |
3.99%
+5.0% YoY
|
3.58%
+9.0% YoY
|
3.95%
+4.9% YoY
|
22% |
| Efficiency Ratio ? |
63.28%
-7.5% YoY
-4.8% QoQ
|
-1.20% |
64.48%
-3.2% YoY
|
57.74%
-6.0% YoY
|
70.05%
+2.5% YoY
|
47% |
| Delinquency Rate ? |
0.92%
-29.5% YoY
-4.0% QoQ
|
+0.00% |
0.92%
+15.7% YoY
|
0.99%
+12.8% YoY
|
0.98%
+16.3% YoY
|
31% |
| Loan-to-Deposit Ratio ? |
64.81%
+1.7% YoY
+13.8% QoQ
|
-13.14% |
77.95%
+1.0% YoY
|
80.39%
+2.7% YoY
|
79.03%
+2.3% YoY
|
77% |
| Non-Interest-Bearing Deposit Share ? |
20.55%
-4.0% YoY
+8.0% QoQ
|
-1.48% |
22.03%
-0.6% YoY
|
17.72%
+0.8% YoY
|
21.98%
-0.6% YoY
|
48% |
| Nonperforming Asset Ratio ? |
0.54%
-29.4% YoY
+2.2% QoQ
|
-0.13% |
0.67%
+16.4% YoY
|
0.63%
+7.9% YoY
|
0.69%
+15.8% YoY
|
38% |
| Tier 1 Capital Ratio ? |
13.67%
-3.7% YoY
-3.7% QoQ
|
-2.24% |
15.91%
+1.4% YoY
|
14.69%
+3.0% YoY
|
17.09%
+0.8% YoY
|
55% |
| Non-Interest Income / Assets ? |
0.22%
+9.8% YoY
+137.9% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.24%
+5.5% YoY
|
0.66%
+5.2% YoY
|
57% |
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 |
20.5%
-0.9pp YoY +1.5pp QoQ |
-1.6pp | 22.1% | 17.8% | 22.2% | 48% |
| Brokered Deposits |
5.3%
-1.4pp YoY 0.0pp QoQ |
-2.5pp | 7.9% | 6.0% | 8.5% | 55% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
33.4%
0.0pp YoY +1.3pp QoQ |
+21.8pp | 11.6% | 12.8% | 12.5% | 97% |
| CRE |
31.1%
+1.9pp YoY 0.0pp QoQ |
-8.5pp | 39.5% | 28.3% | 41.4% | 36% |
| 1-4 Family |
14.4%
-0.4pp YoY -0.2pp QoQ |
-18.2pp | 32.6% | 23.0% | 31.3% | 18% |
| Consumer |
0.5%
0.0pp YoY 0.0pp QoQ |
-3.6pp | 4.1% | 2.9% | 5.0% | 17% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.7%
-0.5pp YoY -0.5pp QoQ |
-5.2pp | 18.8% | 15.4% | 19.7% | 36% |
| Leverage Ratio |
10.0%
-0.1pp YoY -0.3pp QoQ |
-2.2pp | 12.2% | 12.4% | 12.6% | 30% |
| Total Capital Ratio |
14.6%
-0.6pp YoY -0.5pp QoQ |
-5.4pp | 19.9% | 16.5% | 20.8% | 33% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
79
+4 (+5.3%) YoY +1 (+1.3%) QoQ |
+20 | 58 | 64 | 482 | 76% |
| Assets per Employee ($) |
$7.7M
+4.8% YoY -7.6% QoQ |
+$209K | $7.5M | $8.9M | $8.8M | 64% |
| Branch Count |
8
0 YoY 0 QoQ |
+3 | 4 | 5 | 18 | 82% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.4% | 0.4% | n/a |
| Nonaccrual |
0.9%
-0.4pp YoY 0.0pp QoQ |
0.0pp | 0.9% | 1.0% | 1.0% | 69% |
| Allowance Coverage |
1.36x
+31.2% YoY +4.3% QoQ |
-22.80x | 24.15x | 18.97x | 20.23x | 36% |
| Net Charge-off Rate (YTD) |
0.1%
-2.6pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 68% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.5%
+4.3pp YoY +1.4pp QoQ |
+2.3pp | 12.2% | 12.8% | 11.6% | 65% |
| Cost of Funds (YTD) |
2.2%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.7% | 1.8% | 1.7% | 81% |
| Net Income ($, YTD) |
$3.0M
+79.6% YoY — QoQ |
+$413K | $2.6M | $4.0M | $40.4M | 69% |
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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.