Bank Comparison
Iowa State Bank vs Peoples Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 12
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Iowa State Bank | Peoples Bank |
|---|---|---|
| CET1 Ratio | — | 11.65% |
| Tier 1 Capital Ratio | — | 11.65% |
| Total Capital Ratio | — | 12.90% |
| Tier 1 Leverage Ratio | 11.38% | 10.70% |
| Equity / Assets | 10.47% | 10.82% |
Profitability
| Metric | Iowa State Bank | Peoples Bank |
|---|---|---|
| Return on Assets (ROA) | 1.46% | 2.03% |
| Return on Equity (ROE) | 14.44% | 18.59% |
| Net Interest Margin (NIM) | 3.52% | 4.08% |
| Yield on Earning Assets | 5.70% | 6.29% |
| Cost of Funds | 2.37% | 2.40% |
Asset quality
| Metric | Iowa State Bank | Peoples Bank |
|---|---|---|
| Texas Ratio | 1.70% | 7.23% |
| Non-Performing Loan Ratio | 0.08% | 0.56% |
| Non-Performing Asset Ratio | 0.06% | 0.50% |
| Net Charge-Off Ratio | -0.13% | 0.04% |
| ACL / Loans | 1.20% | 1.31% |
Balance sheet
| Metric | Iowa State Bank | Peoples Bank |
|---|---|---|
| Total Assets | $1,234M | $1,221M |
| Total Deposits | $894,826K | $1,033M |
| Total Loans | $876,554K | $1,050M |
| Total Equity | $129,320K | $132,191K |
| Net Income (quarter) | $4,664K | $6,073K |
Liquidity & funding
| Metric | Iowa State Bank | Peoples Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 97.96% | 101.59% |
| Core Deposit Ratio | 84.18% | 88.01% |
| Uninsured Deposit Ratio | 23.49% | 37.88% |
Identity
| Metric | Iowa State Bank | Peoples Bank |
|---|---|---|
| Headquarters City | HULL | ROCK VALLEY |
| Headquarters State | IA | IA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 14 | 10 |
| Employees (FTE) | 109 | 139 |
| Established | Jan. 1, 1879, midnight | June 1, 1945, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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