PEOPLES BANK

ROCK VALLEY, IA | Large | Est. June 1, 1945, midnight | FDIC #16265 | RSSD #998844 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK is aln large FDIC-insured commercial bank headquartered in ROCK VALLEY, IA, established in June 1, 1945, midnight. As of 2025-12-31, the bank reported total assets of $1.2B and total deposits of $1.0B. Profitability stands at 1.83% ROA and 16.80% ROE, with a net interest margin of 4.15%. The bank's CET1 capital ratio is 11.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.65% and a Texas Ratio of 4.58%. FDIC Certificate #16265.

Assets

$1.2B

Deposits

$1.0B

Loans

$1.0B

Equity

$129M

Profitability

Return on Assets (ROA) 1.83%
Return on Equity (ROE) 16.80%
Net Interest Margin (NIM) 4.15%
Yield on Assets 6.56%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 0.65%
Net Charge-Off Ratio 0.05%
Texas Ratio 4.58%
NPA Ratio 0.55%
ACL / Loans 1.33%

Capital & Liquidity

CET1 Ratio 11.90%
Tier 1 Capital 11.90%
Total Capital Ratio 13.15%
Leverage Ratio 10.69%
Loan-to-Deposit 100.46%

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