BlastPoint's Banking Scorecard
Premier Bank
Community
Specialty: Agricultural
IA
FDIC cert 34384
Rock Valley, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Premier Bank shows strong momentum with 3 strengths and 12.1% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 31% in Community
- + Efficiency Ratio 23.08% below tier
- + Loan-to-Deposit Ratio 22.19% above tier
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 ? |
$764.1M
+12.1% YoY
+2.6% QoQ
|
-$627.3M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$661.9M
+12.6% YoY
+4.2% QoQ
|
-$313.5M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
46% |
| Total Deposits ? |
$628.9M
+11.9% YoY
+2.7% QoQ
|
-$535.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
31% |
| Return on Assets ? |
2.11%
+11.7% YoY
-4.1% QoQ
|
+0.95% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
3.82%
+6.8% YoY
-1.0% QoQ
|
+0.15% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
61% |
| Efficiency Ratio ? |
39.55%
-13.6% YoY
+3.0% QoQ
|
-23.08% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 4% in tier |
| Delinquency Rate ? |
0.55%
+14.9% QoQ
|
-0.08% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
105.25%
+0.6% YoY
+1.5% QoQ
|
+22.19% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.94%
-9.6% YoY
+28.4% QoQ
|
-9.11% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.48%
+88.5% YoY
+16.6% QoQ
|
-0.02% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-10.24% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.23%
+12.9% YoY
+39.0% QoQ
|
-0.51% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 14% in tier |
Signature Analysis
Strengths (3)
Profitability Leader
growth
#116 of 371 · Top 31% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
2.11%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Efficiency Ratio
metric
Top 4%
in Community
Why this stands out
Current:
39.55%
(Tier avg: 62.63%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 6%
in Community
Why this stands out
Current:
105.25%
(Tier avg: 83.06%, National avg: 78.04%)
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
96
96th pctile
Efficiency Ratio
Current: 39.55% · Tier avg: 62.63%
94
94th pctile
Loan-to-Deposit Ratio
Current: 105.25% · Tier avg: 83.06%
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.16%
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
46
46th pctile
Total Loans
Current: $661.9M · Tier avg: $975.5M
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
32
32th pctile
Total Assets
Current: $764.1M · Tier avg: $1.4B
31
31th pctile
Total Deposits
Current: $628.9M · Tier avg: $1.2B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.94% · Tier avg: 21.05%
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
Top Weaknesses
14
14th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.74%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.94% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Total Deposits
Current: $628.9M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $764.1M · Tier avg: $1.4B
40
40th pctile
Nonperforming Asset Ratio
Current: 0.48% · Tier avg: 0.50%
43
43th pctile
Delinquency Rate
Current: 0.55% · Tier avg: 0.63%
46
46th pctile
Total Loans
Current: $661.9M · Tier avg: $975.5M
61
61th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.66%
93
93th pctile
Return on Assets
Current: 2.11% · Tier avg: 1.16%
94
94th pctile
Loan-to-Deposit Ratio
Current: 105.25% · Tier avg: 83.06%
96
96th pctile
Efficiency Ratio
Current: 39.55% · Tier avg: 62.63%