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.
Reserve coverage of non-performing loans climbed 25.44 percentage points in Q2 2026, from 233.76% to 259.20%. It was the largest change from Q1 2026 among the key lines here. Within Iowa, Peoples Bank is 23rd of 225 on return on assets, 2.17% as of Q2 2026, above the middle of the field. Peoples Bank's return on assets of 2.17% is well above the 1.28% median for banks in the $1B-10B asset tier, a gap of 0.90 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.73% |
| Equity capital to assets | 11.07% |
| Tangible equity to tangible assets | 10.51% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.51% |
| Non-performing assets ratio | 0.46% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 6.55% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 259.20% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.17% |
| Return on equity | 19.89% |
| Net interest margin | 4.15% |
| Efficiency ratio | 46.21% |
| Yield on earning assets | 6.39% |
| Cost of funds | 2.44% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.33% |
| Core deposits to total deposits | 81.05% |
| Brokered deposits to total deposits | 6.99% |
| Deposits to assets | 83.64% |
| Securities to assets | 9.34% |
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 | 12.78% | 12.78% | 14.00% | 11.39% | 1.58% |
| Q4 2023 | 12.48% | 12.48% | 13.66% | 11.30% | 1.52% |
| Q1 2024 | 12.30% | 12.30% | 13.50% | 10.95% | 1.63% |
| Q2 2024 | 12.34% | 12.34% | 13.54% | 11.00% | 1.68% |
| Q3 2024 | 12.54% | 12.54% | 13.79% | 11.00% | 1.63% |
| Q4 2024 | 12.11% | 12.11% | 13.33% | 10.64% | 1.13% |
| Q1 2025 | 11.68% | 11.68% | 12.88% | 10.46% | 1.78% |
| Q2 2025 | 11.74% | 11.74% | 12.96% | 10.57% | 1.99% |
| Q3 2025 | 11.82% | 11.82% | 13.07% | 10.64% | 2.03% |
| Q4 2025 | 11.90% | 11.90% | 13.15% | 10.69% | 1.84% |
| Q1 2026 | 11.65% | 11.65% | 12.90% | 10.70% | 2.03% |
| Q2 2026 | — | — | — | 10.73% | 2.17% |
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 16265) · FFIEC NIC profile (RSSD 998844)