Principal Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Principal Bank of Des Moines, IA against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.59% | 1.34% | +0.25% | 70th above |
| ROAE | 33.03% | 12.34% | +20.69% | 98th top |
| Net Interest Margin | 2.35% | 3.83% | -1.48% | 3rd bottom |
| Efficiency Ratio | 37.67% | 58.97% | -21.30% | 95th top |
| PPNR / Avg Assets | 2.19% | — | — | 77th top |
| Yield on Earning Assets | 3.99% | 5.71% | -1.72% | 3rd bottom |
| Cost of Funds | 1.77% | 2.02% | -0.25% | 64th above |
| Net Interest Spread | 2.21% | — | — | 10th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.44% | 0.87% | -0.43% | 57th above |
| NPA / Total Assets | 0.13% | — | — | 80th top |
| NCO / Avg Loans | 0.00% | 0.43% | -0.43% | 78th top |
| ACL / Total Loans | 0.25% | — | — | 1st bottom |
| ACL / NPLs (Coverage) | 56.81% | — | — | 8th bottom |
| Texas Ratio | 2.62% | 5.48% | -2.86% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 14.91% | 14.99% | -0.08% | 68th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 14.91% | 15.02% | -0.11% | 68th above |
| Total Capital Ratio | 15.07% | — | — | 57th above |
| Leverage Ratio | 7.13% | 11.11% | -3.98% | 1st bottom |
| Equity / Assets | 5.02% | 11.02% | -6.00% | 1st bottom |
| TCE / Tangible Assets | 5.02% | — | — | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.32% | 86.99% | -54.67% | 98th top |
| Core Deposit Ratio | 98.89% | 85.57% | +13.32% | 97th top |
| Uninsured Deposit Ratio | 45.59% | 33.19% | +12.40% | 15th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.74% | — | — | 74th above |
| Loan Growth (Y/Y) | 13.51% | — | — | 82nd top |
| Deposit Growth (Y/Y) | 10.50% | — | — | 75th top |
See Principal Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Principal Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Principal Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Principal Bank peer analysis.