TellerScore

Headquartered in Clive, Iowa, Peoples Bank is a state-chartered bank (fed member) with $529.6M in total assets and $464.3M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1917.

Based on its Q2 2026 filing, Peoples Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 172nd. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is capital cushion (31/100; 8.09%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Tier 1 leverage ratio: 8.09%
Loan quality95/100
Noncurrent loans ÷ total loans: 0.15%
Earnings67/100
Return on assets (annualized): 1.17%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 72.9% · 41.6% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.10%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 65).

TellerScore
606569Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202461
Q3 202461
Q4 202460
Q1 202563
Q2 202565
Q3 202563
Q4 202564
Q1 202669
Q2 202665
Tier 1 leverage ratio
5.00%6.73%8.47%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.33%
Q3 20248.23%
Q4 20248.09%
Q1 20258.17%
Q2 20258.35%
Q3 20258.47%
Q4 20258.34%
Q1 20268.44%
Q2 20268.09%
Noncurrent loans
0.04%0.15%0.27%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.04%
Q3 20240.05%
Q4 20240.05%
Q1 20250.11%
Q2 20250.11%
Q3 20250.27%
Q4 20250.20%
Q1 20260.19%
Q2 20260.15%
Return on assets
0.30%0.90%1.51%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.30%
Q3 20240.41%
Q4 20240.41%
Q1 20250.74%
Q2 20250.90%
Q3 20250.93%
Q4 20250.94%
Q1 20261.51%
Q2 20261.17%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$529.6M8.09%0.15%1.17%72.9%
Q1 202669$524.7M8.44%0.19%1.51%73.0%
Q4 202564$493.9M8.34%0.20%0.94%74.7%
Q3 202563$495.1M8.47%0.27%0.93%77.0%
Q2 202565$485.9M8.35%0.11%0.90%73.1%
Q1 202563$481.7M8.17%0.11%0.74%71.5%
Q4 202460$474.1M8.09%0.05%0.41%71.1%
Q3 202461$469.7M8.23%0.05%0.41%72.2%
Q2 202461$450.2M8.33%0.04%0.30%72.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.09%
3rd
Total risk-based capital11.60%
51st
Problem loans0.15%
69th
Net charge-offs0.01%
47th
Return on assets1.17%
46th
Net interest margin2.93%
8th
Efficiency ratio62.6%
49th
Loans to deposits72.9%
64th
Uninsured deposits41.6%
9th
Loan-loss reserves0.91%
18th
Texas ratio1.1%
68th

Similar-size banks in Iowa

InstitutionScoreAssetsCapitalProblem loansCompare
American Bank, National AssociationBank Le Mars, IA78 out of 100, Strong$533.0M10.7%0.00%vs
The Shelby County State BankBank Harlan, IA74 out of 100, Strong$523.6M10.0%0.40%vs
Iowa Trust & Savings BankBank Emmetsburg, IA63 out of 100, Moderate$522.0M10.8%0.79%vs
First Security Bank and Trust CompanyBank Charles City, IA68 out of 100, Moderate$538.2M10.0%0.27%vs
Connection BankBank Fort Madison, IA71 out of 100, Strong$540.9M10.0%0.26%vs
Central State BankBank State Center, IA55 out of 100, Moderate$557.8M10.4%1.42%vs

Deposit insurance

Is my money safe at Peoples Bank?

Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #14692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 41.6% of deposits ($193.1M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.09%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.60% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Peoples Bank lists 8 offices in 8 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples Bank reported 204 home-loan applications under HMDA (LEI 254900QIPUZ7PAK59X63): 149 originated ($45,145,000 total), 10 denied, and 43 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples Bank
Former names
Peoples Trust & Savings Bank; Peoples Trust and Savings Bank
Type
State-chartered bank (Fed member)
FDIC certificate #
14692
RSSD ID
968249
Primary regulator
FED
Holding company
Rigler Investment Co
Established
March 17, 1917
Headquarters
12701 University Ave, Clive, IA 50325
Employees
80

Quick answers

Peoples Bank: common questions

Is Peoples Bank FDIC insured?

Yes. Peoples Bank is an FDIC-insured institution (FDIC certificate #14692). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples Bank's TellerScore?

65 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Peoples Bank ever failed?

There is no failure record for FDIC certificate #14692 in the FDIC failed bank list.

How many branches does Peoples Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Clive

InstitutionScoreAssetsCapitalProblem loansCompare
Lamoure Credit UnionCredit union Lamoure, ND98 out of 100, Very strong$38.8M18.9%0.00%vs
ITS BankBank Johnston, IA98 out of 100, Very strong$45.2M97.5%0.00%vs
Iowa State BankBank Des Moines, IA95 out of 100, Very strong$480.5M15.9%0.00%vs
Journey Credit UnionCredit union Des Moines, IA85 out of 100, Very strong$97.6M16.9%1.11%vs
Serve Credit UnionCredit union Des Moines, IA84 out of 100, Strong$101.3M18.1%0.81%vs
Charter BankBank Johnston, IA83 out of 100, Strong$227.5M11.0%0.00%vs