BlastPoint's Banking Scorecard
Peoples Bank
Community
Specialty: Agricultural
IA
FDIC cert 16265
Rock Valley, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Peoples Bank shows strong momentum with 1 strength and 11.5% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 25% in Community
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.2B
+11.5% YoY
+2.6% QoQ
|
-$214.2M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$991.6M
+14.4% YoY
+3.2% QoQ
|
+$16.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
67% |
| Total Deposits ? |
$1.0B
+7.4% YoY
+4.9% QoQ
|
-$164.1M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
59% |
| Return on Assets ? |
1.90%
+26.0% YoY
-1.3% QoQ
|
+0.74% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 11% in tier |
| Net Interest Margin ? |
3.99%
+9.0% YoY
+0.4% QoQ
|
+0.32% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
49.12%
-15.0% YoY
-0.7% QoQ
|
-13.51% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 15% in tier |
| Delinquency Rate ? |
1.12%
+47.3% YoY
+12.5% QoQ
|
+0.49% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
23% |
| Loan-to-Deposit Ratio ? |
99.11%
+6.5% YoY
-1.6% QoQ
|
+16.05% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.74%
+0.1% YoY
-1.7% QoQ
|
-6.31% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.95%
+51.1% YoY
+13.1% QoQ
|
+0.45% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
21% |
| Tier 1 Capital Ratio ? |
11.90%
-1.8% YoY
+0.6% QoQ
|
+1.65% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.58%
+0.5% YoY
+39.1% QoQ
|
-0.16% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
58% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#92 of 371 · Top 25% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.90%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Concerns (0)
No concerns identified
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
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.11% · Tier avg: 83.06%
85
85th pctile
Efficiency Ratio
Current: 49.12% · Tier avg: 62.63%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
67
67th pctile
Total Loans
Current: $991.6M · Tier avg: $975.5M
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 10.24%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.74% · Tier avg: 21.05%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.50%
Top Weaknesses
21
21th pctile
Nonperforming Asset Ratio
Current: 0.95% · Tier avg: 0.50%
23
23th pctile
Delinquency Rate
Current: 1.12% · Tier avg: 0.63%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 14.74% · Tier avg: 21.05%
46
46th pctile
Tier 1 Capital Ratio
Current: 11.90% · Tier avg: 10.24%
58
58th pctile
Non-Interest Income / Assets
Current: 0.58% · Tier avg: 0.74%
59
59th pctile
Total Assets
Current: $1.2B · Tier avg: $1.4B
59
59th pctile
Total Deposits
Current: $1.0B · Tier avg: $1.2B
67
67th pctile
Total Loans
Current: $991.6M · Tier avg: $975.5M
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
85
85th pctile
Efficiency Ratio
Current: 49.12% · Tier avg: 62.63%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.11% · Tier avg: 83.06%
89
89th pctile
Return on Assets
Current: 1.90% · Tier avg: 1.16%