Peoples Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples Bank of Clive, IA against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.84% | 1.34% | -0.50% | 25th below |
| ROAE | 10.34% | 13.32% | -2.98% | 38th below |
| Net Interest Margin | 2.97% | 3.93% | -0.96% | 9th bottom |
| Efficiency Ratio | 65.16% | 61.14% | +4.02% | 39th below |
| PPNR / Avg Assets | 1.04% | 1.68% | -0.64% | 22nd bottom |
| Yield on Earning Assets | 5.25% | 5.67% | -0.42% | 33rd below |
| Cost of Funds | 2.37% | 1.88% | +0.49% | 19th bottom |
| Net Interest Spread | 2.55% | 3.32% | -0.77% | 15th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.91% | 0.94% | -0.03% | 30th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.59% | 0.70% | -0.11% | 34th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 50th above |
| ACL / Total Loans | 0.91% | 1.28% | -0.37% | 18th bottom |
| ACL / NPLs (Coverage) | 99.52% | 1539.48% | -1439.96% | 27th below |
| Texas Ratio | 9.48% | 7.33% | +2.15% | 23rd bottom |
| Provision / NCO | 2600.00% | 1394.55% | +1205.45% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 10.79% | 19.51% | -8.72% | 7th bottom |
| Tier 1 Ratio | 10.79% | 19.54% | -8.75% | 7th bottom |
| Total Capital Ratio | 11.60% | 20.63% | -9.03% | 5th bottom |
| Leverage Ratio | 8.09% | 12.14% | -4.05% | 3rd bottom |
| Equity / Assets | 8.17% | 11.38% | -3.21% | 15th bottom |
| TCE / Tangible Assets | 5.76% | 11.10% | -5.34% | 2nd bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 73.55% | 80.64% | -7.09% | 64th above |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.01% | 86.86% | +1.15% | 44th below |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.79% | 5.03% | -1.24% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.00% | 6.85% | +2.15% | 79th top |
| Loan Growth (Y/Y) | 10.15% | 7.90% | +2.25% | 74th above |
| Deposit Growth (Y/Y) | 10.37% | 6.29% | +4.08% | 84th top |
See Peoples Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples Bank profile, how to read a UBPR, or how this data updates.