BlastPoint's Banking Scorecard
Primebank
Community
Specialty: Agricultural
IA
FDIC cert 8101
Le Mars, IA
1484
banks in Community tier nationally
58 in IA
View Community leaderboard (IA) →
Primebank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 40% in Community
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 20.09% above tier
- - Nonperforming Asset Ratio 1.18% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$772.9M
+5.5% YoY
+0.3% QoQ
|
-$618.5M |
$1.4B
+2.0% YoY
|
$554.4M
+4.9% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$703.4M
+7.2% YoY
+4.6% QoQ
|
-$272.1M |
$975.5M
+2.4% YoY
|
$379.4M
+5.5% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$682.0M
+6.1% YoY
+0.0% QoQ
|
-$482.7M |
$1.2B
+1.7% YoY
|
$463.0M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.66%
+30.1% YoY
-11.8% QoQ
|
+0.50% |
1.16%
+17.2% YoY
|
1.18%
+29.0% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
3.20%
+14.6% YoY
-7.5% QoQ
|
-0.47% |
3.66%
+9.1% YoY
|
3.37%
+11.5% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
47.64%
-9.4% YoY
+8.3% QoQ
|
-14.99% |
62.63%
-5.3% YoY
|
59.86%
-8.6% YoY
|
65.09%
-5.1% YoY
|
Top 12% in tier |
| Delinquency Rate ? |
1.84%
+101.7% YoY
-3.6% QoQ
|
+1.21% |
0.63%
+18.3% YoY
|
0.57%
+48.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
103.15%
+1.1% YoY
+4.6% QoQ
|
+20.09% |
83.06%
+0.3% YoY
|
79.50%
+1.5% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
14.33%
-3.1% YoY
+11.5% QoQ
|
-6.71% |
21.05%
-0.9% YoY
|
18.11%
-1.9% YoY
|
21.79%
-1.3% YoY
|
23% |
| Nonperforming Asset Ratio ? |
1.68%
+85.3% YoY
+0.5% QoQ
|
+1.18% |
0.50%
+20.3% YoY
|
0.44%
+46.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? |
12.04%
+4.5% YoY
-3.2% QoQ
|
+1.79% |
10.24%
-0.6% YoY
|
8.07%
-1.4% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.44%
+14.8% YoY
+39.6% QoQ
|
-0.30% |
0.74%
-1.3% YoY
|
0.46%
+1.9% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (1)
Profitability Leader
growth
#149 of 371 · Top 40% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.66%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank declining
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Community
Why this stands out
Current:
103.15%
(Tier avg: 83.06%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.68%
(Tier avg: 0.50%, National avg: 0.48%)
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
88
88th pctile
Efficiency Ratio
Current: 47.64% · Tier avg: 62.63%
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
50
50th pctile
Total Loans
Current: $703.4M · Tier avg: $975.5M
47
47th pctile
Tier 1 Capital Ratio
Current: 12.04% · Tier avg: 10.24%
42
42th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
36
36th pctile
Total Deposits
Current: $682.0M · Tier avg: $1.2B
33
33th pctile
Total Assets
Current: $772.9M · Tier avg: $1.4B
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.33% · Tier avg: 21.05%
11
11th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.50%
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.15% · Tier avg: 83.06%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 103.15% · Tier avg: 83.06%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.68% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.84% · Tier avg: 0.63%
23
23th pctile
Non-Interest-Bearing Deposit Share
Current: 14.33% · Tier avg: 21.05%
25
25th pctile
Net Interest Margin
Current: 3.20% · Tier avg: 3.66%
33
33th pctile
Total Assets
Current: $772.9M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $682.0M · Tier avg: $1.2B
42
42th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.74%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.04% · Tier avg: 10.24%
50
50th pctile
Total Loans
Current: $703.4M · Tier avg: $975.5M
82
82th pctile
Return on Assets
Current: 1.66% · Tier avg: 1.16%
88
88th pctile
Efficiency Ratio
Current: 47.64% · Tier avg: 62.63%