BlastPoint's Banking Scorecard
The First National Bank of Primghar
Micro
Specialty: Agricultural
IA
FDIC cert 4494
Designations: ✓ Community bank
Primghar, IA
2498
banks in Micro tier nationally
167 in IA
View Micro leaderboard (IA) →
The First National Bank of Primghar demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Nonperforming Asset Ratio 0.45% below 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 ? |
$38.6M
-2.5% YoY
+3.8% QoQ
|
-$178.9M |
$217.5M
+2.3% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 5% in tier |
| Total Loans ? |
$27.0M
+5.0% YoY
+9.6% QoQ
|
-$112.2M |
$139.2M
+2.8% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
Bottom 10% in tier |
| Total Deposits ? |
$30.4M
-1.1% YoY
-4.4% QoQ
|
-$153.3M |
$183.7M
+1.8% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.64%
+282.2% YoY
-7.0% QoQ
|
-0.44% |
1.08%
+14.7% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.98%
+13.1% YoY
+3.1% QoQ
|
-0.87% |
3.85%
+6.6% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
16% |
| Efficiency Ratio ? |
76.42%
-12.8% YoY
+2.0% QoQ
|
+8.70% |
67.73%
-4.8% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
26% |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
88.88%
+6.1% YoY
+14.7% QoQ
|
+14.36% |
74.53%
+0.5% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
23.41%
+5.8% YoY
-9.3% QoQ
|
+1.02% |
22.39%
-1.3% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
58% |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
15.57%
-4.4% YoY
-12.9% QoQ
|
+6.72% |
8.85%
-3.4% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
75% |
| Non-Interest Income / Assets ? |
0.41%
+302.6% YoY
+2.8% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
75
75th pctile
Loan-to-Deposit Ratio
Current: 88.88% · Tier avg: 74.53%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.57% · Tier avg: 8.85%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.41% · Tier avg: 22.39%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
26
26th pctile
Efficiency Ratio
Current: 76.42% · Tier avg: 67.73%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
16
16th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.85%
10
10th pctile
Total Loans
Current: $27.0M · Tier avg: $139.2M
5
5th pctile
Total Deposits
Current: $30.4M · Tier avg: $183.7M
5
5th pctile
Total Assets
Current: $38.6M · Tier avg: $217.5M
Top Weaknesses
5
5th pctile
Total Assets
Current: $38.6M · Tier avg: $217.5M
5
5th pctile
Total Deposits
Current: $30.4M · Tier avg: $183.7M
10
10th pctile
Total Loans
Current: $27.0M · Tier avg: $139.2M
16
16th pctile
Net Interest Margin
Current: 2.98% · Tier avg: 3.85%
24
24th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.08%
26
26th pctile
Efficiency Ratio
Current: 76.42% · Tier avg: 67.73%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
58
58th pctile
Non-Interest-Bearing Deposit Share
Current: 23.41% · Tier avg: 22.39%
75
75th pctile
Tier 1 Capital Ratio
Current: 15.57% · Tier avg: 8.85%
75
75th pctile
Loan-to-Deposit Ratio
Current: 88.88% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%