BlastPoint's Banking Scorecard
PCSB Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14522
Designations: ✓ Community bank
Clarinda, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
PCSB Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.13% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$337.2M
+1.6% YoY
+3.1% QoQ
|
+$119.7M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
79% |
| Total Loans ? |
$179.3M
+5.1% YoY
+3.6% QoQ
|
+$40.1M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
69% |
| Total Deposits ? |
$306.8M
-0.2% YoY
+3.3% QoQ
|
+$123.1M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
0.71%
+22.9% YoY
+5.6% QoQ
|
-0.37% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
2.72%
+6.9% YoY
+1.5% QoQ
|
-1.13% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
74.47%
-4.4% YoY
-1.5% QoQ
|
+6.75% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
0.17%
-64.3% YoY
-87.3% QoQ
|
-0.47% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
65% |
| Loan-to-Deposit Ratio ? |
58.44%
+5.3% YoY
+0.3% QoQ
|
-16.08% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
22% |
| Non-Interest-Bearing Deposit Share ? |
22.14%
+7.1% YoY
+44.4% QoQ
|
-0.25% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.16%
-32.0% YoY
-76.5% QoQ
|
-0.29% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
60% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.31%
-20.0% YoY
+27.3% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
43% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.72%
(Tier avg: 3.85%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
82
82th pctile
Total Deposits
Current: $306.8M · Tier avg: $183.7M
79
79th pctile
Total Assets
Current: $337.2M · Tier avg: $217.5M
69
69th pctile
Total Loans
Current: $179.3M · Tier avg: $139.2M
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.14% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
29
29th pctile
Efficiency Ratio
Current: 74.47% · Tier avg: 67.73%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.44% · Tier avg: 74.53%
9
9th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.72% · Tier avg: 3.85%
22
22th pctile
Loan-to-Deposit Ratio
Current: 58.44% · Tier avg: 74.53%
29
29th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.47% · Tier avg: 67.73%
43
43th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Non-Interest-Bearing Deposit Share
Current: 22.14% · Tier avg: 22.39%
60
60th pctile
Nonperforming Asset Ratio
Current: 0.16% · Tier avg: 0.45%
65
65th pctile
Delinquency Rate
Current: 0.17% · Tier avg: 0.64%
69
69th pctile
Total Loans
Current: $179.3M · Tier avg: $139.2M
79
79th pctile
Total Assets
Current: $337.2M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $306.8M · Tier avg: $183.7M