Peoples Bank
Total assets
$529.6M
▲ +9.0% YoY
Deposits
$464.3M
▲ +10.4% YoY
Loans
$338.4M
▲ +10.1% YoY
Offices
8
RIGLER INVESTMENT CO
ROA (annualized)
1.17%
peers 1.28%
ROE (annualized)
14.17%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Peoples Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.0% | +4.9% | +4.1 pts |
| Deposit growth (YoY) | +10.4% | +4.3% | +6.0 pts |
| Loan growth (YoY) | +10.1% | +5.3% | +4.7 pts |
| ROA | 1.17% | 1.28% | -0.1 pts |
| ROE | 14.2% | 12.4% | +1.7 pts |
ROA ranks in the 44th percentile of its peer group · Q2 2026
Profile
- Established
- 1917
- Charter
- State
- Primary regulator
- FED
- Holding company
- RIGLER INVESTMENT CO
- Specialization
- Agricultural Specialization
- Address
- 12701 University Ave, Clive, IA, 50325
- County
- Polk
- Metro area
- Des Moines-West Des Moines, IA
- Offices
- 8
- FDIC cert #
- 14692
- RSSD ID
- 968249
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $529.6M | $464.3M | $338.4M | $43.3M | $3.0M | 1.17% | 2.93% | 0.10% |
| Q1 2026 | $524.7M | $453.8M | $331.1M | $42.9M | $1.9M | 1.51% | 2.94% | 0.12% |
| Q4 2025 | $493.9M | $430.8M | $321.9M | $42.2M | $4.6M | 0.94% | 2.75% | 0.13% |
| Q3 2025 | $495.1M | $414.5M | $319.2M | $42.2M | $3.4M | 0.93% | 2.71% | 0.21% |
| Q2 2025 | $485.9M | $420.7M | $307.5M | $37.7M | $2.2M | 0.90% | 2.69% | 0.10% |
| Q1 2025 | $481.7M | $430.8M | $308.2M | $36.7M | $889K | 0.74% | 2.60% | 0.10% |
| Q4 2024 | $474.1M | $427.6M | $303.9M | $34.6M | $1.9M | 0.41% | 2.30% | 0.06% |
| Q3 2024 | $469.7M | $411.9M | $297.3M | $37.0M | $1.4M | 0.41% | 2.27% | 0.06% |
Loan mix (Q2 2026): real estate $293.9M · commercial $7.1M · consumer $1.3M · securities $153.1M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.17% | 1.28% | 44th | |
Return on equity Annualized net income ÷ equity or net worth | 14.2% | 12.4% | 61th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.93% | 3.89% | 9th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 62.6% | 61.2% | 54th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Peoples Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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