BlastPoint's Banking Scorecard
Peoples Savings Bank
Micro
Specialty: Agricultural
IA
FDIC cert 14868
Designations: ✓ Community bank
Wellsburg, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
Peoples Savings 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
- - Non-Interest-Bearing Deposit Share 16.23% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$190.3M
+5.6% YoY
+1.3% QoQ
|
-$27.2M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
49% |
| Total Loans ? |
$139.7M
+0.6% YoY
-2.7% QoQ
|
+$520K |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
57% |
| Total Deposits ? |
$149.9M
+7.4% YoY
+2.2% QoQ
|
-$33.8M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
0.71%
+26.4% YoY
+4.0% QoQ
|
-0.38% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
28% |
| Net Interest Margin ? |
3.03%
+5.9% YoY
-0.5% QoQ
|
-0.82% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
17% |
| Efficiency Ratio ? |
73.34%
-6.2% YoY
+0.0% QoQ
|
+5.61% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.69%
+70.2% YoY
+34.7% QoQ
|
+0.05% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
38% |
| Loan-to-Deposit Ratio ? |
93.20%
-6.4% YoY
-4.8% QoQ
|
+18.67% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
6.16%
-38.4% YoY
+11.8% QoQ
|
-16.23% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 6% in tier |
| Nonperforming Asset Ratio ? |
0.50%
+62.2% YoY
+29.5% QoQ
|
+0.05% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
37% |
| 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 ? |
0.76%
+15.4% YoY
+35.8% QoQ
|
+0.20% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Top 14% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Non-Interest-Bearing Deposit Share
metric
Bottom 6%
in Micro
Why this stands out
Current:
6.16%
(Tier avg: 22.39%, National avg: 21.79%)
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
86
86th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%
57
57th pctile
Total Loans
Current: $139.7M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
49
49th pctile
Total Assets
Current: $190.3M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $149.9M · Tier avg: $183.7M
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
32
32th pctile
Efficiency Ratio
Current: 73.34% · Tier avg: 67.73%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.20% · Tier avg: 74.53%
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.16% · Tier avg: 22.39%
Top Weaknesses
6
6th pctile
Non-Interest-Bearing Deposit Share
Current: 6.16% · Tier avg: 22.39%
17
17th pctile
Loan-to-Deposit Ratio
Current: 93.20% · Tier avg: 74.53%
17
17th pctile
Net Interest Margin
Current: 3.03% · Tier avg: 3.85%
28
28th pctile
Return on Assets
Current: 0.71% · Tier avg: 1.08%
32
32th pctile
Efficiency Ratio
Current: 73.34% · Tier avg: 67.73%
37
37th pctile
Nonperforming Asset Ratio
Current: 0.50% · Tier avg: 0.45%
38
38th pctile
Delinquency Rate
Current: 0.69% · Tier avg: 0.64%
45
45th pctile
Total Deposits
Current: $149.9M · Tier avg: $183.7M
49
49th pctile
Total Assets
Current: $190.3M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Total Loans
Current: $139.7M · Tier avg: $139.2M
86
86th pctile
Non-Interest Income / Assets
Current: 0.76% · Tier avg: 0.56%