Peoples Bank
Rock Valley, IA
IDRSSD: 998844
Total Assets
$1.15B
Latest filing
Total Deposits
$953.94M
Latest filing
Net Interest Margin
4.09%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 06/01/1945 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51247 |
| State and County Number | 19167 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 137 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 01/24/2025 |
| Date of Deposit Insurance | 06/01/1945 |
| Primary Insurance Agency | DIF |
| Website | www.peoples-ebank.com |
| Data Updated | 11/14/2025 |
| CERT | 16265 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.15B |
| Total Deposits | $953.94M |
| Total Liabilities | $1.02B |
| Total Equity Capital | $124.47M |
| Net Income | $5.70M |
| Net Loans and Leases | $961.27M |
| Assets Per Employee ($Millions) | $7.91M |
| Bank Premises and Fixed Assets | $19.11M |
| Cash and Balances due from Depository Institutions | $23.64M |
| Deposits Held in Domestic Offices | $953.94M |
Key Performance Ratios
| Return on Assets (ROA) | 2.02% |
| Return on Equity (ROE) | 18.82% |
| Net Interest Margin | 4.09% |
| Efficiency Ratio | 47.83% |
| Tier 1 Risk-Based Capital Ratio | 11.823% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.851% |
| Earning Assets to total Assets | 94.33% |
Income and Expense
| Total Interest Income | $17.45M |
| Total Noninterest Income | $1.61M |
| Total Interest Expense | $6.54M |
| Total Noninterest Expense | $5.99M |
| Net Interest Income | $10.90M |
| Pre-tax Net Operating Income | $5.92M |
| Provision for Credit Losses | $599.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $50.23M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $9.24M |
| All Other Liabilities | $9.24M |
| Total Liabilities and Capital | $1.15B |
Securities
| Securities | $111.42M |
| Available-for-sale debt securities | $111.28M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples Bank?
$1.15B as of the latest filing.
How much are Peoples Bank's total deposits?
$953.94M in total deposits.
Where is Peoples Bank located?
Rock Valley, IA.
What is the Net Interest Margin?
4.09%.
How many domestic offices does it operate?
10.
When was it established?
06/01/1945.
What is the Return on Assets (ROA)?
2.02%.
How much are total loans and leases?
$961.27M (latest filing).
What is the total interest income (latest filing)?
$17.45M.