Peoples Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.48 percentage points higher than in Q1 2026, at 99.52%. Within Iowa, Peoples Bank is 194th of 225 on return on assets, 0.84% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples Bank sits 0.41 points lower, at 0.84% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 10.79% |
| Tier 1 risk-based capital ratio | 10.79% |
| Total risk-based capital ratio | 11.60% |
| Tier 1 leverage ratio | 8.09% |
| Equity capital to assets | 8.17% |
| Tangible equity to tangible assets | 5.76% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.59% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 9.48% |
| Allowance for credit losses to loans | 0.91% |
| Reserve coverage of non-performing loans | 99.52% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.84% |
| Return on equity | 10.34% |
| Net interest margin | 2.97% |
| Efficiency ratio | 65.16% |
| Yield on earning assets | 5.25% |
| Cost of funds | 2.37% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.55% |
| Core deposits to total deposits | 88.01% |
| Brokered deposits to total deposits | 5.07% |
| Deposits to assets | 87.67% |
| Securities to assets | 28.90% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 10.27% | 10.27% | 11.17% | 8.41% | 0.24% |
| Q4 2023 | 9.80% | 9.80% | 10.66% | 8.47% | 0.43% |
| Q1 2024 | 10.40% | 10.40% | 11.30% | 8.28% | 0.36% |
| Q2 2024 | 10.64% | 10.64% | 11.56% | 8.33% | 0.24% |
| Q3 2024 | 10.50% | 10.50% | 11.17% | 8.22% | 0.63% |
| Q4 2024 | 10.72% | 10.72% | 11.39% | 8.09% | 0.42% |
| Q1 2025 | 10.95% | 10.95% | 11.63% | 8.17% | 0.74% |
| Q2 2025 | 11.04% | 11.04% | 11.76% | 8.35% | 1.04% |
| Q3 2025 | 10.92% | 10.92% | 11.64% | 8.47% | 1.01% |
| Q4 2025 | 10.86% | 10.86% | 11.61% | 8.34% | 0.95% |
| Q1 2026 | 11.04% | 11.04% | 11.81% | 8.44% | 1.50% |
| Q2 2026 | 10.79% | 10.79% | 11.60% | 8.09% | 0.84% |
Peoples Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 14692) · FFIEC NIC profile (RSSD 968249)