Peoples Bank
Major Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 6.6 percent from a year earlier contributes to the Fair asset quality (4.3). Operating profits as a percentage of assets at 2.2%, coupled with a return on assets of 2.1 has resulted in Excellent (8.2) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (10.0 on a scale of 0 to 10). Excellent current capitalization (9.6 on a scale of 0 to 10) and a capital leverage ratio of 10.7.
Asset Mix:
Comm loans (13%), comm re (11%), securities (9%), home mtgs (7%), consumer loans (1%), cash (1%), home eq lns (1%), other (57%)
States with Branches:
IA, MN, SD
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Peoples Bancorp
Investment Rating
--
Address
1230 Valley Drive
Rock Valley, IA 51247
Rock Valley, IA 51247
Phone Number
(712) 476-2746
Year Founded
1946
FDIC Number
Website
Largest Affiliates
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