🏦Bank Scorer

PEOPLES TRUST & SAVINGS BANK

CLIVE, IA · Supervised by FDIC

Est. 1917FDIC #14,692RSSD: FDIC-14692
Part ofRIGLER INVESTMENT CO→ View all charters
Satisfactory Same

Current rating · Exam: November 2017

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.51%

Institution Profile

FDIC BankFind

Address

12701 University Ave, CLIVE, IA

County

Polk County

Established

March 17, 1917

Total Assets

$525M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 1, 2017

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 8 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$525M

Total Deposits

$454M

Net Loans

$331M

Net Income

$2M

ROA

1.51%

ROE

18.02%

Risk-Based Capital

11.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate3.57%Peer avg: 7.63%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

8

Branch Deposits

$421M

1-Year Change

0

5-year net change: -1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
201819693.88%3.57%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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