BlastPoint's Banking Scorecard

Primebank

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

Le Mars, IA

4 branches across IA

2664 banks in the $100M-$1B peer group nationally 166 in 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 25.2% in tier
+ Efficiency Ratio 20.83% below tier average

Key Concerns

Areas that may need attention

- Loan-to-Deposit Ratio 26.24% above tier average
- Nonperforming Asset Ratio 1.19% above tier average
- Net Interest Margin 0.33% below tier average
- Delinquency Rate 1.10% 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 ?	$783.8M +4.0% YoY +1.4% QoQ	+$397.8M	$386.1M +0.5% YoY	$560.1M +4.8% YoY	$6.2B +9.1% YoY	Top 8.9% in tier
Total Loans ?	$713.0M +8.9% YoY +1.4% QoQ	+$457.3M	$255.7M +1.1% YoY	$379.9M +5.0% YoY	$3.2B +10.8% YoY	Top 2.1% in tier
Total Deposits ?	$693.1M +3.1% YoY +1.6% QoQ	+$365.1M	$328.0M +0.1% YoY	$469.6M +4.4% YoY	$4.8B +8.2% YoY	Top 7.2% in tier
Return on Assets ?	2.04% +33.0% YoY +22.8% QoQ	+0.77%	1.27% +12.9% YoY	1.31% +22.6% YoY	1.23% +13.4% YoY	Top 11.6% in tier
Net Interest Margin ?	3.60% +14.0% YoY +12.5% QoQ	-0.33%	3.93% +6.0% YoY	3.52% +10.3% YoY	3.89% +5.7% YoY	35%
Efficiency Ratio ?	44.46% -6.8% YoY -6.7% QoQ	-20.83%	65.29% -4.5% YoY	58.40% -7.6% YoY	66.95% -4.1% YoY	Top 8.4% in tier
Delinquency Rate ?	1.98% +76.0% YoY +7.7% QoQ	+1.10%	0.89% +18.8% YoY	0.92% +14.5% YoY	0.95% +18.8% YoY	Bottom 12.7% in tier
Loan-to-Deposit Ratio ?	102.88% +5.7% YoY -0.3% QoQ	+26.24%	76.64% +0.8% YoY	77.40% +1.1% YoY	76.70% +0.9% YoY	Bottom 6.2% in tier
Non-Interest-Bearing Deposit Share ?	13.03% +0.7% YoY -9.1% QoQ	-8.99%	22.02% -1.0% YoY	17.87% +0.7% YoY	22.01% -1.2% YoY	18%
Nonperforming Asset Ratio ?	1.83% +84.8% YoY +9.0% QoQ	+1.19%	0.64% +19.7% YoY	0.58% +11.7% YoY	0.67% +19.3% YoY	Bottom 8.0% in tier
Tier 1 Capital Ratio ?	12.22% +3.2% YoY +1.5% QoQ	-3.61%	15.83% +1.5% YoY	14.34% +1.8% YoY	17.06% +0.8% YoY	38%
Non-Interest Income / Assets ?	0.10% -1.3% YoY -77.7% QoQ	-0.18%	0.28% +9.3% YoY	0.12% +10.7% YoY	0.32% +4.1% YoY	52%

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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

#169 of 666 • Top 25.2% in tier

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

Why this signature

Return on Assets: 2.04%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | 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 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Total Loans

size

Value: $713.04M

Peer Median: $255.72M

#57 of 2664 Top 2.1% in $100M-$1B

193

Total Deposits

size

Value: $693.10M

Peer Median: $327.97M

#193 of 2664 Top 7.2% in $100M-$1B

224

Efficiency Ratio

profitability

Value: 44.46%

Peer Median: 65.29%

#224 of 2664 Top 8.4% in $100M-$1B

237

Total Assets

size

Value: $783.85M

Peer Median: $386.08M

#237 of 2664 Top 8.9% in $100M-$1B

310

Return on Assets

profitability

Value: 2.04%

Peer Median: 1.27%

#310 of 2664 Top 11.6% in $100M-$1B

Top Weaknesses (4 metrics)

2499

Loan-to-Deposit Ratio

liquidity

Value: 102.88%

Peer Median: 76.64%

#2499 of 2664 Bottom 6.2% in $100M-$1B

2451

Nonperforming Asset Ratio

credit_quality

Value: 1.83%

Peer Median: 0.64%

#2451 of 2664 Bottom 8.0% in $100M-$1B

2319

Delinquency Rate

credit_quality

Value: 1.98%

Peer Median: 0.89%

#2319 of 2654 Bottom 12.7% in $100M-$1B

2197

Non-Interest-Bearing Deposit Share

funding

Value: 13.03%

Peer Median: 22.02%

#2197 of 2664 Bottom 17.6% in $100M-$1B