Peoples Bank: Bank Stress & Real-Estate Credit Exposure

Peoples Bank (FDIC Cert #14692) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

At the county level, Peoples Bank finances markets like Polk County, IA, Dallas County, IA, Boone County, IA, Guthrie County, IA — the specific places where its credit posture translates into local lending capacity. Because Peoples Bank is held under Rigler Investment Co, its financials are open to scrutiny and its trend can be independently checked. Over the trailing week its stress reading is stable. Direction is the tell: climbing stress signals credit pulling back, which shows up in forced sales months later. DLRadar does not model Peoples Bank in isolation: the 90-ZIP footprint is cross-referenced against foreclosure filings, tax-lien activity and ownership churn in each of those 5 counties, so a shift in the bank's elevated posture can be read directly against on-the-ground distress. Peoples Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. No bank is too small to score the same way: Peoples Bank runs through the identical FDIC-based model as the largest lenders, refreshed each filing cycle, so its 5-county, 90-ZIP profile means exactly what it would for any institution nationwide. A elevated score on a footprint this size means the markets Peoples Bank touches inherit a corresponding share of that lending pressure. Its footprint is compact and single-state: 90 ZIP codes in 5 counties over 1 states. It concentrates most in Iowa (5 counties).

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Peoples Bank tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. That makes bank stress a forward indicator — it points to tomorrow's distressed supply, not yesterday's.

The same deterministic model runs for all FDIC banks, each wired to on-the-ground foreclosure, tax-lien and ownership signals. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.