Peoples Bank (Clive, IA)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Bank is an FDIC-insured commercial bank headquartered in Clive, IA, established in 1917 (FDIC certificate 14692), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $529.6M, up 9.0% from Q2 2025, the 58th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 10.79% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 14692
- Headquarters
- Clive, IA
- Established
- 1917
- Total assets, Q2 2026
- $529.6M
- Assets vs Q2 2025
- +9.0%
- CET1 ratio, Q2 2026
- 10.79%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 073919212
- Holding company
- RIGLER INVESTMENT COMPANY
- Asset rank in state
- 58th of 225 in Iowa
Peoples Bank, based in Clive, Iowa, reported $530 million in assets at June 30, 2026, up 9.0% from a year earlier. It keeps 2.97 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also holds common equity equal to 10.79% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 15.12%).
Paper losses on its bond portfolio are shrinking: unrealized losses of $12 million equal 30% of Tier 1 capital, down from 40% a year earlier. Net income for the quarter slipped 12% from a year earlier, to $1.1 million. Concentration is the risk to watch: it holds commercial real estate loans worth 3.7 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, Peoples Bank reported a CET1 capital ratio of 10.79%, a return on assets of 0.84%, a nonperforming-loan ratio of 0.15% and a Texas ratio of 1.55%. The figures come from its call report filed with the FFIEC.
Peoples Bank ranks as the 58th largest of the 225 banks based in Iowa, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $529.6M, loans rose 2.2% and deposits rose 2.3%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 26.4% of total loans, ahead of farmland and other real estate loans at 22.7%. Its 8 offices in the FDIC Summary of Deposits are in 8 cities in IA; its Clive office books 21% of its branch deposits. On its Q2 2026 call report, Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 12701 University Ave, Clive, IA 50325
- County
- Polk
- Metro Area
- Des Moines-West Des Moines, IA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- March 17, 1917
- Former names
- Peoples Trust & Savings Bank (1980-2018)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 80
- Domestic deposits
- $464.3M
- Allowance for credit losses
- $3.1M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $528.9M
- Average total loans
- $337.1M
- Average interest-bearing deposits
- $407.6M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 22, 1934
- FDIC Cert
- 14692
- Fed RSSD
- 968249
- Website
- www.mypeoples.bank →
- Parent Holding Company
- RIGLER INVESTMENT COMPANY (RSSD 1210730)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples Bank's total assets ran between $439.2M (Q3 2023) and $529.6M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$529.6M total assets against $485.9M; $486.4M total liabilities against $448.2M.
$338.4M net loans and leases against $307.5M; $464.3M total deposits against $420.7M.
$153.1M securities against $137.7M; $5.8M cash and balances due against $8.5M.
$6.4M total interest income against $5.8M; $2.9M total interest expense against $2.6M.
$3.6M net interest income against $3.1M.
$752K total noninterest income against $691K; $2.9M total noninterest expense against $2.3M.
$190K provision for credit losses against $200K.
$1.1M net income against $1.3M.
0.84% return on assets against 1.04%; 2.97% net interest margin against 2.87%.
10.79% CET1 capital ratio against 11.04%; 8.09% tier 1 leverage ratio against 8.35%.
Inside the full Peoples Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Peoples Bank rankings
Its closest position to the top of a national ranking is 1,712 of 4,196, for total assets; its furthest is 1,998 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q4 2024) to 1.50% (Q1 2026) and its net interest margin ran from 2.41% (Q3 2024) to 3.00% (Q1 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 0.84% | 0.15% | 1.55% | 2.97% |
| Q1 2026 | 11.04% | 1.50% | 0.19% | 1.94% | 3.00% |
| Q4 2025 | 10.86% | 0.95% | 0.20% | 2.04% | 2.93% |
| Q3 2025 | 10.92% | 1.01% | 0.27% | 3.26% | 2.85% |
| Q2 2025 | 11.04% | 1.04% | 0.11% | 1.82% | 2.87% |
| Q1 2025 | 10.95% | 0.74% | 0.11% | 1.91% | 2.68% |
| Q4 2024 | 10.72% | 0.42% | 0.05% | 1.28% | 2.46% |
| Q3 2024 | 10.50% | 0.63% | 0.05% | 1.18% | 2.41% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples Bank (main office) | Clive , IA | 50325 | $96.9M |
| Adel Branch | Adel , IA | 50003 | $75.9M |
| Jefferson Branch | Jefferson , IA | 50129 | $74.4M |
| Boone Branch - 1212 Hawkeye Drive | Boone , IA | 50036 | $56.3M |
| Guthrie Center Branch | Guthrie Center , IA | 50115 | $54.6M |
| Grand Junction Branch | Grand Junction , IA | 50107 | $43.9M |
| Waukee Branch | Waukee , IA | 50263 | $31.3M |
| Scranton Branch | Scranton , IA | 51462 | $31.0M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| March 8, 1996 | Structure Change | Acquired Security National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 7, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 25, 1994 | Structure Change | Acquired United Federal Savings Association of Iowa Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 1, 1991 | Structure Change | Acquired The First National Bank of Rippey Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 5 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in IA, rank 60 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 208 applications, 149 loans originated, $45.1M originated, across 12 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $801K approved, $801K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples Bank
What are Peoples Bank's total assets?
As of the Q2 2026 filing, Peoples Bank reported total assets of $529.6 million in its FFIEC call report.
Where is Peoples Bank headquartered?
It is headquartered in Clive, IA, United States.
When was Peoples Bank founded?
It was established in 1917, per the FDIC institution directory.
Is Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Bank?
Peoples Bank's primary federal regulator is the Federal Reserve.
What is Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 10.79% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Bank's Texas Ratio?
Its Texas Ratio is 1.55% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Peoples Bank previously called?
The charter now named Peoples Bank has also operated as Peoples Trust & Savings Bank (1980-2018), per FDIC structure-change records.
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