Peoples Bank
Rock Valley, IA
IDRSSD: 998844
Total Assets
$1.18B
Latest filing
Total Deposits
$1.00B
Latest filing
Net Interest Margin
4.04%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples Bank
1230 Valley Dr
Rock Valley, IA 51247
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1945FDIC Certificate 10457
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Peoples Bank (Main) | 1230 Valley Dr | Rock Valley, IA |
| SIOUX CITY MORNINGSIDE BRANCH | 1901 Morningside Ave | Sioux City, IA |
| HAWARDEN BRANCH | 920 Avenue E | Hawarden, IA |
| LESTER BRANCH | 2372 Iowa 9 | Lester, IA |
| SIOUX CENTER LOCATION | 1701 South Main Avenue | Sioux Center, IA |
| AKRON LOCATION | 71 Hardy St | Akron, IA |
| SHELDON LOCATION | 2400 Park St | Sheldon, IA |
| HINTON LOCATION | 468 Titan Rd | Hinton, IA |
Showing 7 of 9
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 | 145 |
| 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 | 01/30/2026 |
| CERT | 16265 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.18B |
| Total Deposits | $1.00B |
| Total Liabilities | $1.05B |
| Total Equity Capital | $129.13M |
| Net Income | $5.33M |
| Net Loans and Leases | $991.61M |
| Assets Per Employee ($Millions) | $8.35M |
| Bank Premises and Fixed Assets | $20.45M |
| Cash and Balances due from Depository Institutions | $21.23M |
| Deposits Held in Domestic Offices | $1.00B |
Key Performance Ratios
| Return on Assets (ROA) | 1.83% |
| Return on Equity (ROE) | 16.8% |
| Net Interest Margin | 4.04% |
| Efficiency Ratio | 48.13% |
| Tier 1 Risk-Based Capital Ratio | 11.896% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.45% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.969% |
| Earning Assets to total Assets | 94.86% |
Income and Expense
| Total Interest Income | $17.53M |
| Total Noninterest Income | $2.04M |
| Total Interest Expense | $6.44M |
| Total Noninterest Expense | $6.32M |
| Net Interest Income | $11.09M |
| Pre-tax Net Operating Income | $5.51M |
| Provision for Credit Losses | $1.30M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $35.71M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.96M |
| All Other Liabilities | $9.98M |
| Total Liabilities and Capital | $1.18B |
Securities
| Securities | $115.46M |
| Available-for-sale debt securities | $115.32M |
| Equity securities with readily determinable fair values not held for trading | — |
| 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?
$1.18B as of the latest filing.
How much are Peoples Bank's total deposits?
$1.00B in total deposits.
Where is Peoples Bank located?
Rock Valley, IA.
What is the Net Interest Margin?
4.04%.
How many domestic offices does it operate?
10.
When was it established?
06/01/1945.
What is the Return on Assets (ROA)?
1.83%.
How much are total loans and leases?
$991.61M (latest filing).
What is the total interest income (latest filing)?
$17.53M.