BlastPoint's Banking Scorecard

Peoples Savings Bank

$100M-$1B Specialty: Commercial IA FDIC cert 34973

Indianola, IA

8 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in IA

Peoples Savings Bank faces 4 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- ROA 0.42% below tier average
- Net Interest Margin 0.71% below tier average
- Efficiency Ratio 1.15% above tier average
- Delinquency Rate 0.07% above 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 ?	$652.1M +10.2% YoY +13.2% QoQ	+$266.1M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	85%
Total Loans ?	$331.6M +10.1% YoY +1.1% QoQ	+$75.9M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	72%
Total Deposits ?	$582.1M +10.6% YoY +13.1% QoQ	+$254.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 13.8% in tier
Return on Assets ?	0.85% +172.5% YoY +4.4% QoQ	-0.42%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.22% +12.8% YoY -0.9% QoQ	-0.71%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	18%
Efficiency Ratio ?	66.44% -5.4% YoY +1.6% QoQ	+1.15%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	41%
Delinquency Rate ?	0.96% -67.0% YoY -4.4% QoQ	+0.07%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	29%
Loan-to-Deposit Ratio ?	56.97% -0.5% YoY -10.6% QoQ	-19.66%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	85%
Non-Interest-Bearing Deposit Share ?	19.03% -4.7% YoY -6.2% QoQ	-2.98%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	40%
Nonperforming Asset Ratio ?	0.53% -65.7% YoY -12.0% QoQ	-0.11%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	36%
Tier 1 Capital Ratio ?	14.19% -2.5% YoY +0.4% QoQ	-1.64%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	59%
Non-Interest Income / Assets ?	0.09% +11.4% YoY -78.4% QoQ	-0.19%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	48%

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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 (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

368

Total Deposits

size

Value: $582.07M

Peer Median: $327.97M

#368 of 2664 Top 13.8% in $100M-$1B

410

Total Assets

size

Value: $652.14M

Peer Median: $386.08M

#410 of 2664 Top 15.4% in $100M-$1B

412

Loan-to-Deposit Ratio

liquidity

Value: 56.97%

Peer Median: 76.64%

#412 of 2664 Top 15.4% in $100M-$1B

Top Weaknesses (1 metrics)

2175

Net Interest Margin

profitability

Value: 3.22%

Peer Median: 3.93%

#2175 of 2664 Bottom 18.4% in $100M-$1B