# PEOPLES BANK
CLIVE, IA · FDIC certificate 14692 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $529.6M | |
| Deposits | $464.3M | |
| Loans and leases | $341.5M | |
| Total equity | $43.3M | |
| Loans / deposits | 72.88% (p31 of band) | 82.04% |
| Liquid assets / assets | 30.00% (p64 of band) | |
| Uninsured deposits / deposits | 41.59% (p89 of band) | 25.97% |
| Brokered deposits | 4.44% | |
| Wholesale funding | 8.24% (p72 of band) | |
| FHLB advances / assets | 3.79% | |
| Tier 1 leverage | 8.09% (p2 of band) | 10.81% |
| Unrealized securities loss / equity | -28.74% (p14 of band) | -8.10% |
| AOCI / equity | -0.97% (p23 of band) | |
| ROA (annualized) | 1.17% (p44 of band) | 1.28% |
| Net interest margin | 2.93% (p8 of band) | 3.91% |
| Efficiency ratio | 62.58% (p54 of band) | |
| Noncurrent loans | 0.15% (p29 of band) | 0.43% |
| Net charge-offs (annualized) | 0.01% (p50 of band) | |
| Reserve coverage of noncurrent | 610.04% | |
| Real estate % of loans | 86% | |
| Construction % of loans | 67.71% (p70 of band) | |
| Auto loans | $447,000 (0.13% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.4% | |
| Employees | 80 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 0 |  | reserve under noncurrent |
| 2012-03 | 1 | reserve under noncurrent |  |
| 2012-06 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving | reserve under noncurrent |
| 2012-09 | 0 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2012-12 | 0 |  |  |
| 2013-03 | 1 | capital falling |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 2 | wholesale funding >15%, deposits shrinking |  |
| 2013-12 | 0 |  | wholesale funding >15%, deposits shrinking |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 | uninsured deposits leaving | capital falling |
| 2015-03 | 0 |  | uninsured deposits leaving |
| 2015-06 | 1 | uninsured deposits leaving |  |
| 2015-09 | 1 | wholesale funding >15% | uninsured deposits leaving |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 0 |  |  |
| 2016-06 | 1 | wholesale funding >15% |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 0 |  | wholesale funding >15% |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 3 | loans exceed deposits, wholesale funding >15%, capital falling |  |
| 2017-12 | 4 | NIM <2.5%, reserve under noncurrent | loans exceed deposits |
| 2018-03 | 2 |  | capital falling, NIM <2.5% |
| 2018-06 | 1 |  | wholesale funding >15% |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 | uninsured deposits leaving | capital falling |
| 2020-06 | 2 | noncurrent p90 | uninsured deposits leaving |
| 2020-09 | 1 |  | noncurrent p90 |
| 2020-12 | 3 | capital falling, noncurrent p90 |  |
| 2021-03 | 3 |  |  |
| 2021-06 | 3 |  |  |
| 2021-09 | 0 |  | reserve under noncurrent, capital falling, noncurrent p90 |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | AOCI drag >20% of equity |  |
| 2022-06 | 2 | securities losses >30% of equity |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity |
| 2023-06 | 1 |  |  |
| 2023-09 | 2 | construction >100% equity |  |
| 2023-12 | 1 |  | construction >100% equity |
| 2024-03 | 2 | NIM <2.5% |  |
| 2024-06 | 2 |  |  |
| 2024-09 | 3 | expense ratio p90 |  |
| 2024-12 | 4 | capital falling |  |
| 2025-03 | 1 |  | NIM <2.5%, expense ratio p90, capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 0 |  | securities losses >30% of equity |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | securities losses >30% of equity |  |
| 2026-06 | 0 |  | securities losses >30% of equity |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-04 [Peoples opens new building in Rock Valley - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMiwAFBVV95cUxOV3BnMjZEZXFCVVN5SHp0T2hPOWJVal9MaTIxR0lfcUZKT3hQa1R3QkwwaTVYWlFqbGpsQmcwX25rbE9EMFVNZUY0MnNBQTMzU3djNkxCeVY4Z3FBMlg1VnItbjBBR1ZBT1hyV0Z2OElkZllNbjRmRGdKdkpTYlBYVEYtUTREU0hyTkU0NnN2MF9wa2pKWllnYXhFM3BtbkZfcW4wWVRGODYwZWRXQ3hfdHZTY0JvbVpsOFR2OUNkX2s?oc=5) · The N'West Iowa REVIEW
- 2026-03-24 [IFA Honors Premier Bank and Jayme Ungs of Peoples Bank for Advancing Beginning Farmer Success on National Ag Day - Iowa Economic Development Authority (.gov)](https://news.google.com/rss/articles/CBMi5gFBVV95cUxOOUx2UkpSOGczbmpUN1d6WVJQR3RVVkkwbFVaOVdadlVqZ1FiM1U0TzF0Z2pYYVJkeURXMlo2Nms2cDBRV0Ywb1ptTmxxNVlOX0tsQ2RVbkladGRFUENoOWRGeTFmTEppU2pwMTRRVlUtQi11b1JKWF9oWDhCTEZJdVJKV3cxUTZwbEFsMVRXOEU5T3BNMUpSOWJDdnlabG95NE9KMkhVbmo3UlNST0lqN2NqUkRQb2loUzFpWjFzektNQ1RRbVFVLXI0ODh3V0NtSDhsQUR3V0NEWkp2NGlXMThPWlhmQQ?oc=5) · Iowa Economic Development Authority (.gov)
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-06-23 [Suit seeks $33 million loan repayment from former 515 Walnut developer - The Des Moines Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxQcWZsdURRTzNBaHdlb0hqUENPZWhoUzU0LXhkeXpFV05RbnBSWXJkc3AwdGQ5akNqT3MxcTV4X2JnMUZCeFRDTU1NaGJMTEVQalY1NE1xdWdfa0NERThRV2R5aWZiMnhIV1Z4UGloNXpUMmx5Z09TS2tuelpHVmpKS3NXYWZkM3pUZzRReGdyM3VTUDNXdkwybjdvUExxMTYwYU5vMUVLbVh6YVVqcG5IYkdaRVp6TlJ2VWZ4akNRYmhZQUVDdXIwNExn?oc=5) · The Des Moines Register
- 2025-10-25 [Peoples Insurance will be build new space in Rock Valley - The N'West Iowa REVIEW](https://news.google.com/rss/articles/CBMi5AFBVV95cUxQWEtwUE9XOHZldEVRSDZJY2lEN1J2OWVHWjQycWFDZXEzLXF6TWdiWk1USUZpS2EtU0RzdXc5Y25sUEZEVEkwMFZyMVhiZEN1RFlwRHpDWGhkTFRnQ2dzeUlsYWhjXzM1ck11Z2gxd3gzd1UtMllaMWxUa1NHeWFQTGJXOVhYeGJfemw5bHBSRDQwWXNDb3B3V3VXeEY5SW54Mk9KZjN5LWRlbFQ1b093VllWU1lkXzBRQmhFcHlOV21oYjNkM1BLLVZvVHlWQnVSMEpFcFl0TXRrUklQOEhkRTcwLWE?oc=5) · The N'West Iowa REVIEW
- 2022-10-25 [Peoples Bank to nearly double Kentucky footprint with $208.2M deal - Banking Dive](https://news.google.com/rss/articles/CBMinAFBVV95cUxOV3R2MllWOTZmb3dVZF81RlpYYWhpa0lEU3p6RExSVlNOQlc5cDRLSjgyTC1aUWhfZ2tmMmtSd2h2TmJvdkU5d3dNRE9jN2tsNUhBR2xjWFVwcko0N0gwdjVmVjFOUG83TlV3emZYZDdYRjhPSk5DbzFTNjBQd25LQ2JuMlZrNzlNR2phenNnZTZJSEhJVlVxaFVnX3U?oc=5) · Banking Dive
- 2026-07-21 [First Financial Bank acquiring 116-year-old Peoples Bank - nwitimes.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxQNldNeUx0TUtRRXJOTGhJaGlQeENPWUZPYVc0Y1RvV3dMZWNxU3k5ZEY0aW15VzFFZHZONVZNdXU2QkpqMlpXSHJCT2lQc0dHZnpZdFgyTS1jZ3hrSTNmbGZMRzNQNVY4SWlsQVJlY1hTd2JFei0tRWVqdGdPZkZRUk1ObUZuYlV1?oc=5) · nwitimes.com
- 2026-05-11 [Peoples Bank fraud specialist warns of rising scam tactics, identity theft risks - KTIV](https://news.google.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?oc=5) · KTIV

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14692 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/36.json (key "14692", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide