PEOPLES SAVINGS BANK

WELLSBURG, IA | Small | Est. Jan. 1, 1934, midnight | FDIC #14868 | RSSD #136048 | FDIC
Latest Report: 2025-12-31

PEOPLES SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in WELLSBURG, IA, established in Jan. 1, 1934, midnight. As of 2025-12-31, the bank reported total assets of $190M and total deposits of $150M. Profitability stands at 0.79% ROA and 9.50% ROE, with a net interest margin of 3.11%. The bank's CET1 capital ratio is 8.38%. Asset quality metrics show a non-performing loan ratio of 0.55% and a Texas Ratio of 4.45%. FDIC Certificate #14868.

Assets

$190M

Deposits

$150M

Loans

$141M

Equity

$16M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 9.50%
Net Interest Margin (NIM) 3.11%
Yield on Assets 6.12%
Cost of Funds 3.05%

Asset Quality

NPL Ratio 0.55%
Net Charge-Off Ratio 0.01%
Texas Ratio 4.45%
NPA Ratio 0.41%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 8.38%
Tier 1 Capital 8.38%
Total Capital Ratio 8.80%
Leverage Ratio 9.30%
Loan-to-Deposit 94.16%

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