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Peoples Bank
Rock Valley, IA · FDIC Certificate #16265 · Chartered 06/0
Total assets
$1.25B
Total deposits
$1.05B
Total equity
$138.71M
Net loans
$1.07B
Branches (offices)
10
Net income (YTD)
$12.81M
Rank: #866 of 4,213 U.S. banks by assets · #24 of 225 in Iowa. Assets changed 12.7% and deposits 11.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.10% |
| Return on equity | 19.21% |
| Net interest margin (YTD) | 4.09% |
| Equity to assets | 11.07% |
| Tier 1 leverage ratio | 10.73% |
| Uninsured deposits (share of deposits) | 37.1% |
| Noncurrent loans (share of loans) | 0.85% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 102.0% |
| Real estate loans (share of loans) | 42.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $452.51M | 42.3% | |
| Commercial & industrial | $164.78M | 15.4% | |
| Consumer / individual | $13.45M | 1.3% | |
| Construction & development | $51.64M | 4.8% | |
| Agricultural | $432.64M | 40.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $802.99M | $709.12M | $6.61M | $90.42M |
| Jun 2023 | $877.69M | $721.20M | $7.19M | $102.55M |
| Jun 2024 | $971.24M | $844.84M | $7.91M | $109.74M |
| Jun 2025 | $1.11B | $942.51M | $10.17M | $117.99M |
| Jun 2026 | $1.25B | $1.05B | $12.81M | $138.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $984.52M | 8 |
| Minnesota | $44.68M | 1 |
| South Dakota | $18.89M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.05B.
Similar-sized banks
Corefirst Bank & Trust ($1.26B) · Platte Valley Bank ($1.25B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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