PEOPLES BANK

CLIVE, IA | Small | Est. March 17, 1917, midnight | FDIC #14692 | RSSD #968249 | FED
Latest Report: 2025-12-31

PEOPLES BANK is asn small FDIC-insured commercial bank headquartered in CLIVE, IA, established in March 17, 1917, midnight. As of 2025-12-31, the bank reported total assets of $494M and total deposits of $431M. Profitability stands at 0.95% ROA and 11.17% ROE, with a net interest margin of 2.86%. The bank's CET1 capital ratio is 10.86%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.20% and a Texas Ratio of 1.43%. FDIC Certificate #14692.

Assets

$494M

Deposits

$431M

Loans

$325M

Equity

$42M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 11.17%
Net Interest Margin (NIM) 2.86%
Yield on Assets 5.32%
Cost of Funds 2.49%

Asset Quality

NPL Ratio 0.20%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.43%
NPA Ratio 0.13%
ACL / Loans 0.84%

Capital & Liquidity

CET1 Ratio 10.86%
Tier 1 Capital 10.86%
Total Capital Ratio 11.61%
Leverage Ratio 8.34%
Loan-to-Deposit 75.35%

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