PCSB BANK

CLARINDA, IA | Small | Est. Jan. 1, 1866, midnight | FDIC #14522 | RSSD #188449 | FDIC
Latest Report: 2025-12-31

PCSB BANK is asn small FDIC-insured commercial bank headquartered in CLARINDA, IA, established in Jan. 1, 1866, midnight. As of 2025-12-31, the bank reported total assets of $337M and total deposits of $307M. Profitability stands at 0.83% ROA and 9.61% ROE, with a net interest margin of 2.96%. The bank's CET1 capital ratio is 8.61%. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.87%. FDIC Certificate #14522. The institution operates 1 domestic branch.

Assets

$337M

Deposits

$307M

Loans

$181M

Equity

$29M

Profitability

Return on Assets (ROA) 0.83%
Return on Equity (ROE) 9.61%
Net Interest Margin (NIM) 2.96%
Yield on Assets 4.85%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.10%
Texas Ratio 0.87%
NPA Ratio 0.08%
ACL / Loans 1.11%

Capital & Liquidity

CET1 Ratio 8.61%
Tier 1 Capital 8.61%
Total Capital Ratio 9.04%
Leverage Ratio 10.81%
Loan-to-Deposit 59.10%

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