| Metric | Principal Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.7% | +5.5% | +4.3 pts |
| Deposit growth (YoY) | +10.5% | +5.1% | +5.4 pts |
| Loan growth (YoY) | +13.6% | +6.0% | +7.7 pts |
| ROA | 1.68% | 1.26% | +0.4 pts |
| ROE | 33.0% | 12.2% | +20.9 pts |
ROA ranks in the 78th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $9.84B | $9.26B | $2.99B | $493.9M | $80.8M | 1.68% | 2.46% | 0.13% |
| Q1 2026 | $9.60B | $9.05B | $2.87B | $482.7M | $40.5M | 1.71% | 2.45% | 0.12% |
| Q4 2025 | $9.33B | $8.79B | $2.85B | $491.1M | $111.4M | 1.24% | 2.45% | 0.14% |
| Q3 2025 | $9.01B | $8.47B | $2.62B | $460.4M | $73.8M | 1.11% | 2.43% | 0.13% |
| Q2 2025 | $8.96B | $8.38B | $2.63B | $435.4M | $46.7M | 1.06% | 2.48% | 0.13% |
| Q1 2025 | $8.69B | $8.21B | $2.59B | $417.1M | $23.6M | 1.08% | 2.55% | 0.11% |
| Q4 2024 | $8.79B | $8.34B | $2.40B | $382.3M | $121.7M | 1.42% | 2.49% | 0.12% |
| Q3 2024 | $8.71B | $8.18B | $2.33B | $443.0M | $77.0M | 1.21% | 2.52% | 0.16% |
Loan mix (Q2 2026): real estate $3.00B · commercial $0 · consumer $0 · securities $6.21B
| Ratio | Principal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.68% | 1.26% | 78th | |
Return on equity Annualized net income ÷ equity or net worth | 33.0% | 12.2% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.46% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 38.0% | 59.0% | 6th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Principal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Principal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Principal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Principal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Principal Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2025) · $9.26B branch deposits. Biggest market: Polk, IA, ranked 1st with 24.6% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Polk, IA | 1 | $9.26B | 24.56% | 1st |
Iowa: 1st with 5.83% · Des Moines-West Des Moines metro: 1st, 20.50% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1
Spends 1.6× the peer median on technology. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).