Principal Bank
Des Moines, IA · Cert 34507 · Peer group: banks $1B-$10B in assets (n=322-328)
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 322).
- Widest gap: equity / assets trails 100% of banks $1B-$10B in assets (rank 327 of 328).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.64%
Rank 67 of 328
Net Interest Margin
2.28%
Rank 319 of 328
Efficiency Ratio
37.98%
Rank 15 of 328
Equity / Assets
5.02%
Rank 327 of 328
Non-interest income vs. expense
Unfavorable gap of $14.5M · efficiency ratio beats 96% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.64% | 0.91% | 1.22% | 1.52% | Beats 80% | 67 / 328 | | |
| Return on Equity | 32.72% | 8.43% | 11.45% | 14.43% | Beats 98% | 7 / 328 | | |
| Net Interest Margin | 2.28% | 3.03% | 3.45% | 3.83% | Beats 3% | 319 / 328 | | |
| Efficiency Ratio | 37.98% | 51.61% | 59.56% | 67.53% | Beats 96% | 15 / 328 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.24% | 0.51% | 1.03% | Beats 59% | 134 / 322 | | |
| Net Charge-Offs / Loans | 0.00% | 0.01% | 0.03% | 0.10% | Beats 100% | 18 / 322 | | |
| Capital |
| Tier 1 Capital Ratio | 14.91% | 11.75% | 13.15% | 15.47% | Beats 70% | 98 / 328 | | |
| Total Risk-Based Capital Ratio | 15.07% | 12.63% | 14.15% | 16.46% | Beats 63% | 123 / 328 | | |
| Equity / Assets | 5.02% | 9.15% | 10.33% | 12.01% | Beats 0% | 327 / 328 | | |
| Liquidity & Funding |
| Loans / Deposits | 32.32% | 76.63% | 87.92% | 95.36% | 2nd pctl | 317 / 323 | | |
| Loans / Assets | 30.42% | 65.18% | 74.15% | 79.98% | 3rd pctl | 317 / 328 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |