BlastPoint's Banking Scorecard

Primebank

$100M-$1B Specialty: Agricultural IA FDIC cert 8101

Le Mars, IA

4 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 +4.6% year over year ($692.5M on the books).
Delinquency rate 1.88%.
Return on assets 2.15%.
Efficiency ratio 43.46% vs a 64.48% peer average.
Loan-to-deposit ratio 104.40% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 167 in IA

View $100M-$1B leaderboard (IA) →

Primebank has 2 strengths but faces 4 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 22.2% in tier
+ Efficiency Ratio 21.02% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 26.45% above tier average
- Nonperforming Asset Ratio 1.05% above tier average
- Net Interest Margin 0.28% below tier average
- Delinquency Rate 0.96% above tier average

Get updates when Primebank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Total Assets ?	$800.6M +7.1% YoY +2.1% QoQ	+$414.0M	$386.6M +1.2% YoY	$566.2M +5.8% YoY	$6.3B +7.7% YoY	Top 8.1% in tier
Total Loans ?	$723.0M +10.2% YoY +1.4% QoQ	+$464.7M	$258.3M +1.7% YoY	$385.0M +5.4% YoY	$3.2B +9.4% YoY	Top 1.7% in tier
Total Deposits ?	$692.5M +4.6% YoY -0.1% QoQ	+$365.8M	$326.7M +0.7% YoY	$472.4M +6.3% YoY	$4.9B +7.3% YoY	Top 7.4% in tier
Return on Assets ?	2.15% +25.5% YoY +5.4% QoQ	+0.83%	1.32% +10.8% YoY	1.58% +39.1% YoY	1.30% +12.1% YoY	Top 9.8% in tier
Net Interest Margin ?	3.71% +13.3% YoY +3.0% QoQ	-0.28%	3.99% +5.0% YoY	3.58% +9.0% YoY	3.95% +4.9% YoY	37%
Efficiency Ratio ?	43.46% -5.4% YoY -2.2% QoQ	-21.02%	64.48% -3.2% YoY	57.74% -6.0% YoY	70.05% +2.5% YoY	Top 7.1% in tier
Delinquency Rate ?	1.88% -30.7% YoY -5.4% QoQ	+0.96%	0.92% +15.7% YoY	0.99% +12.8% YoY	0.98% +16.3% YoY	Bottom 14.1% in tier
Loan-to-Deposit Ratio ?	104.40% +5.4% YoY +1.5% QoQ	+26.45%	77.95% +1.0% YoY	80.39% +2.7% YoY	79.03% +2.3% YoY	Bottom 6.0% in tier
Non-Interest-Bearing Deposit Share ?	14.23% +11.9% YoY +9.2% QoQ	-7.80%	22.03% -0.6% YoY	17.72% +0.8% YoY	21.98% -0.6% YoY	21%
Nonperforming Asset Ratio ?	1.72% -27.8% YoY -6.0% QoQ	+1.05%	0.67% +16.4% YoY	0.63% +7.9% YoY	0.69% +15.8% YoY	Bottom 9.8% in tier
Tier 1 Capital Ratio ?	12.41% +2.3% YoY +1.6% QoQ	-3.49%	15.91% +1.4% YoY	14.69% +3.0% YoY	17.09% +0.8% YoY	40%
Non-Interest Income / Assets ?	0.22% +3.4% YoY +124.0% QoQ	-0.34%	0.57% +7.6% YoY	0.24% +5.5% YoY	0.66% +5.2% YoY	56%

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% +1.5pp YoY +1.2pp QoQ	-7.9pp	22.1%	17.8%	22.2%	21%
Brokered Deposits	4.4% -0.1pp YoY +0.3pp QoQ	-3.4pp	7.9%	6.0%	8.5%	47%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
C&I	11.4% -1.3pp YoY +0.2pp QoQ	-0.1pp	11.6%	12.8%	12.5%	61%
CRE	24.9% -0.5pp YoY -0.2pp QoQ	-14.6pp	39.5%	28.3%	41.4%	26%
1-4 Family	23.0% +0.4pp YoY 0.0pp QoQ	-9.6pp	32.6%	23.0%	31.3%	37%
Consumer	1.1% -0.2pp YoY 0.0pp QoQ	-3.0pp	4.1%	2.9%	5.0%	31%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
CET1 Ratio	12.4% +0.3pp YoY +0.2pp QoQ	-6.4pp	18.8%	15.4%	19.7%	21%
Leverage Ratio	11.0% +0.6pp YoY +0.1pp QoQ	-1.2pp	12.2%	12.4%	12.6%	50%
Total Capital Ratio	13.5% +0.3pp YoY +0.2pp QoQ	-6.5pp	19.9%	16.5%	20.8%	22%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Full-Time Employees	86 +5 (+6.2%) YoY +3 (+3.6%) QoQ	+27	58	64	482	81%
Assets per Employee ($)	$9.3M +0.9% YoY -1.4% QoQ	+$1.8M	$7.5M	$8.9M	$8.8M	82%
Branch Count	4 0 YoY 0 QoQ	-1	4	5	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -1.6pp YoY -0.2pp QoQ	-0.3pp	0.3%	0.4%	0.4%	34%
Nonaccrual	1.8% +0.8pp YoY +0.1pp QoQ	+0.9pp	0.9%	1.0%	1.0%	86%
Allowance Coverage	0.53x +41.3% YoY +5.7% QoQ	-23.62x	24.15x	18.97x	20.23x	11%
Net Charge-off Rate (YTD)	0.0% -0.1pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	37%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (IA)	National Avg	Tier Percentile
ROE	20.4% +2.9pp YoY +0.9pp QoQ	+8.2pp	12.2%	12.8%	11.6%	89%
Cost of Funds (YTD)	2.4% -0.4pp YoY 0.0pp QoQ	+0.7pp	1.7%	1.8%	1.7%	88%
Net Income ($, YTD)	$8.4M +32.4% YoY — QoQ	+$5.9M	$2.6M	$4.0M	$40.4M	98%

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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 (1)

Profitability Leader

growth

#148 of 661 • Top 22.2% in tier

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

Why this signature

Return on Assets: 2.15%

(Tier: 1.32%, National: 1.30%)

better than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $723.01M

Peer Median: $258.35M

#46 of 2643 Top 1.7% in $100M-$1B

188

Efficiency Ratio

profitability

Value: 43.46%

Peer Median: 64.48%

#188 of 2643 Top 7.1% in $100M-$1B

197

Total Deposits

size

Value: $692.54M

Peer Median: $326.73M

#197 of 2643 Top 7.4% in $100M-$1B

215

Total Assets

size

Value: $800.58M

Peer Median: $386.57M

#215 of 2643 Top 8.1% in $100M-$1B

260

Return on Assets

profitability

Value: 2.15%

Peer Median: 1.32%

#260 of 2643 Top 9.8% in $100M-$1B

Top Weaknesses (4 metrics)

2485

Loan-to-Deposit Ratio

liquidity

Value: 104.40%

Peer Median: 77.95%

#2485 of 2643 Bottom 6.0% in $100M-$1B

2385

Nonperforming Asset Ratio

credit_quality

Value: 1.72%

Peer Median: 0.67%

#2385 of 2643 Bottom 9.8% in $100M-$1B

2264

Delinquency Rate

credit_quality

Value: 1.88%

Peer Median: 0.92%

#2264 of 2633 Bottom 14.1% in $100M-$1B

2078

Non-Interest-Bearing Deposit Share

funding

Value: 14.23%

Peer Median: 22.03%

#2078 of 2643 Bottom 21.4% in $100M-$1B