BlastPoint's Banking Scorecard
Peoples Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14692
Designations: ✓ Community bank
Clive, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Peoples 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 1.10% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$493.9M
+4.2% YoY
-0.2% QoQ
|
+$276.4M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$321.9M
+5.9% YoY
+0.9% QoQ
|
+$182.7M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Top 5% in tier |
| Total Deposits ? |
$430.8M
+0.8% YoY
+3.9% QoQ
|
+$247.2M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
0.94%
+127.2% YoY
+0.7% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
2.75%
+19.5% YoY
+1.6% QoQ
|
-1.10% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 9% in tier |
| Efficiency Ratio ? |
66.39%
-24.9% YoY
+1.7% QoQ
|
-1.34% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
0.20%
+308.3% YoY
-26.7% QoQ
|
-0.44% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
62% |
| Loan-to-Deposit Ratio ? |
74.72%
+5.1% YoY
-3.0% QoQ
|
+0.19% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
47% |
| Non-Interest-Bearing Deposit Share ? |
12.57%
-20.3% YoY
-16.9% QoQ
|
-9.82% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
17% |
| Nonperforming Asset Ratio ? |
0.13%
+105.5% YoY
-36.9% QoQ
|
-0.32% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
10.86%
+1.4% YoY
-0.5% QoQ
|
+2.01% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
54% |
| Non-Interest Income / Assets ? |
0.60%
+35.3% YoY
+46.5% QoQ
|
+0.04% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
77% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Net Interest Margin
metric
Bottom 9%
in Micro
Why this stands out
Current:
2.75%
(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
99
99th pctile
Total Assets
Current: $493.9M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $430.8M · Tier avg: $183.7M
95
95th pctile
Total Loans
Current: $321.9M · Tier avg: $139.2M
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.86% · Tier avg: 8.85%
49
49th pctile
Efficiency Ratio
Current: 66.39% · Tier avg: 67.73%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.72% · Tier avg: 74.53%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.57% · Tier avg: 22.39%
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
Top Weaknesses
9
9th pctile
Net Interest Margin
Current: 2.75% · Tier avg: 3.85%
17
17th pctile
Non-Interest-Bearing Deposit Share
Current: 12.57% · Tier avg: 22.39%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
47
47th pctile
Loan-to-Deposit Ratio
Current: 74.72% · Tier avg: 74.53%
49
49th pctile
Efficiency Ratio
Current: 66.39% · Tier avg: 67.73%
54
54th pctile
Tier 1 Capital Ratio
Current: 10.86% · Tier avg: 8.85%
62
62th pctile
Delinquency Rate
Current: 0.20% · Tier avg: 0.64%
63
63th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
77
77th pctile
Non-Interest Income / Assets
Current: 0.60% · Tier avg: 0.56%
95
95th pctile
Total Loans
Current: $321.9M · Tier avg: $139.2M
99
99th pctile
Total Deposits
Current: $430.8M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $493.9M · Tier avg: $217.5M