PRINCIPAL BANK

DES MOINES, IA | Large | Est. Feb. 12, 1998, midnight | FDIC #34507 | RSSD #2654911 | OCC
Latest Report: 2025-12-31

PRINCIPAL BANK is aln large FDIC-insured commercial bank headquartered in DES MOINES, IA, established in Feb. 12, 1998, midnight. As of 2025-12-31, the bank reported total assets of $9.3B and total deposits of $8.8B. Profitability stands at 1.64% ROA and 31.61% ROE, with a net interest margin of 2.67%. The bank's CET1 capital ratio is 15.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.47% and a Texas Ratio of 2.67%. FDIC Certificate #34507.

Assets

$9.3B

Deposits

$8.8B

Loans

$2.9B

Equity

$491M

Profitability

Return on Assets (ROA) 1.64%
Return on Equity (ROE) 31.61%
Net Interest Margin (NIM) 2.67%
Yield on Assets 4.55%
Cost of Funds 1.81%

Asset Quality

NPL Ratio 0.47%
Net Charge-Off Ratio -0.16%
Texas Ratio 2.67%
NPA Ratio 0.14%
ACL / Loans 0.29%

Capital & Liquidity

CET1 Ratio 15.46%
Tier 1 Capital 15.46%
Total Capital Ratio 15.65%
Leverage Ratio 7.22%
Loan-to-Deposit 32.49%

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