BlastPoint's Banking Scorecard
Principal Bank
Mid-Market
Specialty: Mortgage
IA
FDIC cert 34507
Des Moines, IA
201
banks in Mid-Market tier nationally
2 in IA
View Mid-Market leaderboard (IA) →
Principal Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 53.08% below tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 24% in Mid-Market
- - Margin Compression: Bottom 33% in Mid-Market
- - Non-Interest-Bearing Deposit Share 20.54% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.3B
+6.1% YoY
+3.6% QoQ
|
-$1.1B |
$10.5B
+2.9% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
59% |
| Total Loans ? |
$2.8B
+18.4% YoY
+8.6% QoQ
|
-$4.3B |
$7.1B
+4.5% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 4% in tier |
| Total Deposits ? |
$8.8B
+5.4% YoY
+3.8% QoQ
|
+$251.1M |
$8.5B
+3.0% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
69% |
| Return on Assets ? |
1.24%
-12.6% YoY
+12.0% QoQ
|
+0.08% |
1.16%
+9.4% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
55% |
| Net Interest Margin ? |
2.45%
-1.8% YoY
+0.5% QoQ
|
-0.95% |
3.40%
+7.9% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 15% in tier |
| Efficiency Ratio ? |
47.85%
+5.7% YoY
-5.1% QoQ
|
-8.75% |
56.60%
-3.2% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
81% |
| Delinquency Rate ? |
0.47%
+9.9% YoY
+6.3% QoQ
|
-0.22% |
0.68%
+12.0% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
61% |
| Loan-to-Deposit Ratio ? |
32.39%
+12.4% YoY
+4.6% QoQ
|
-53.08% |
85.47%
+1.1% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Top 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
0.10%
+1.1% YoY
-4.9% QoQ
|
-20.54% |
20.64%
-0.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
0.14%
+22.6% YoY
+11.4% QoQ
|
-0.36% |
0.50%
+7.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
82% |
| Tier 1 Capital Ratio ? |
15.46%
-4.5% YoY
-1.9% QoQ
|
+1.91% |
13.55%
+1.8% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
84% |
| Non-Interest Income / Assets ? |
0.77%
-34.1% YoY
+48.9% QoQ
|
-0.18% |
0.96%
+7.1% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 2%
in Mid-Market
Why this stands out
Current:
32.39%
(Tier avg: 85.47%, National avg: 78.04%)
Concerns (3)
Credit Quality Pressure
risk
#28 of 113 · Bottom 24% in Mid-Market
Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Why this signature
Delinquency Rate:
0.47%
(Tier: 0.68%, National: 0.66%)
113 of 113 Mid-Market banks match
·
961 nationally
→ Stable
+22 banks QoQ
Margin Compression
decline
#7 of 19 · Bottom 33% in Mid-Market
Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Why this signature
Return on Assets:
1.24%
(Tier: 1.16%, National: 1.12%)
19 of 19 Mid-Market banks match
·
147 nationally
→ Stable
-9 banks QoQ
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Mid-Market
Why this stands out
Current:
0.10%
(Tier avg: 20.64%, 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
98
98th pctile
Loan-to-Deposit Ratio
Current: 32.39% · Tier avg: 85.47%
84
84th pctile
Tier 1 Capital Ratio
Current: 15.46% · Tier avg: 13.55%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
81
81th pctile
Efficiency Ratio
Current: 47.85% · Tier avg: 56.60%
69
69th pctile
Total Deposits
Current: $8.8B · Tier avg: $8.5B
62
62th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.96%
61
61th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.68%
59
59th pctile
Total Assets
Current: $9.3B · Tier avg: $10.5B
55
55th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
15
15th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.40%
4
4th pctile
Total Loans
Current: $2.8B · Tier avg: $7.1B
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 0.10% · Tier avg: 20.64%
Top Weaknesses
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 0.10% · Tier avg: 20.64%
4
4th pctile
Total Loans
Current: $2.8B · Tier avg: $7.1B
15
15th pctile
Net Interest Margin
Current: 2.45% · Tier avg: 3.40%
55
55th pctile
Return on Assets
Current: 1.24% · Tier avg: 1.16%
59
59th pctile
Total Assets
Current: $9.3B · Tier avg: $10.5B
61
61th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.68%
62
62th pctile
Non-Interest Income / Assets
Current: 0.77% · Tier avg: 0.96%
69
69th pctile
Total Deposits
Current: $8.8B · Tier avg: $8.5B
81
81th pctile
Efficiency Ratio
Current: 47.85% · Tier avg: 56.60%
82
82th pctile
Nonperforming Asset Ratio
Current: 0.14% · Tier avg: 0.50%
84
84th pctile
Tier 1 Capital Ratio
Current: 15.46% · Tier avg: 13.55%
98
98th pctile
Loan-to-Deposit Ratio
Current: 32.39% · Tier avg: 85.47%