Principal Bank
Des Moines, IA · Cert 34507 · Peer group: banks $1B-$10B in assets (n=311-317)
State savings bank · OCC · 1 branch
Q2 2026
$9.8BAssets
$3.0BLoans
$9.3BDeposits
$493.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks $1B-$10B in assets (rank 18 of 311).
- Widest gap: equity / assets trails 99% of banks $1B-$10B in assets (rank 315 of 317).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.64%
Rank 65 of 317
Net Interest Margin
2.28%
Rank 309 of 317
Efficiency Ratio
37.98%
Rank 16 of 317
Equity / Assets
5.02%
Rank 315 of 317
Non-interest income vs. expense
Unfavorable gap of $14.5M · efficiency ratio beats 95% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.93% | 1.22% | 1.51% | Beats 79% | 65 / 317 | |
| Return on Equity | 32.72% | 8.63% | 11.43% | 14.48% | Beats 97% | 8 / 317 | |
| Net Interest Margin | 2.28% | 3.06% | 3.45% | 3.83% | Beats 3% | 309 / 317 | |
| Efficiency Ratio | 37.98% | 51.90% | 59.69% | 67.53% | Beats 95% | 16 / 317 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.24% | 0.51% | 1.14% | Beats 59% | 129 / 311 | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.04% | 0.12% | Beats 100% | 18 / 311 | |
| Capital |
| Tier 1 Capital Ratio | 14.91% | 11.75% | 13.15% | 15.30% | Beats 71% | 92 / 317 | |
| Total Risk-Based Capital Ratio | 15.07% | 12.63% | 14.21% | 16.26% | Beats 63% | 116 / 317 | |
| Equity / Assets | 5.02% | 9.06% | 10.32% | 11.95% | Beats 1% | 315 / 317 | |
| Liquidity & Funding |
| Loans / Deposits | 32.32% | 76.63% | 88.04% | 95.67% | 2nd pctl | 306 / 312 | |
| Loans / Assets | 30.42% | 65.41% | 74.05% | 79.71% | 3rd pctl | 306 / 317 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |