Is Principal Bank Safe?
Principal Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (90/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 17.87% | 100/100 |
| Nonperforming Loan Ratio | 0.48% | 90/100 |
| Liquidity Ratio | 70.61% | 100/100 |
| Return on Assets | 1.78% | 91/100 |
| Total Assets | $8.7B | |
How does Principal Bank compare?
With a Bank Health Score of 96/100, Principal Bank sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Iowa, where 162 FDIC-insured banks are headquartered, Principal Bank ranks above the state average of 68/100 (Grade B).
The bank's Tier 1 capital ratio of 17.87% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.48% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Principal Bank's Bank Health Score fell by 2.0 points to 96/100. Tier 1 capital was essentially flat at 17.87%. Quarter-over-quarter, the score fell by 1.0 points.
Principal Bank has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while loan quality is its weakest area (90/100).