PEOPLES STATE BANK OF WELLS

WELLS, MN | Micro | Est. Feb. 29, 1924, midnight | FDIC #8840 | RSSD #192651 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK OF WELLS is amn micro FDIC-insured commercial bank headquartered in WELLS, MN, established in Feb. 29, 1924, midnight. As of 2025-12-31, the bank reported total assets of $62M and total deposits of $55M. Profitability stands at 1.39% ROA and 12.38% ROE, with a net interest margin of 4.25%. The bank's CET1 capital ratio is 14.76%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #8840.

Assets

$62M

Deposits

$55M

Loans

$41M

Equity

$7M

Profitability

Return on Assets (ROA) 1.39%
Return on Equity (ROE) 12.38%
Net Interest Margin (NIM) 4.25%
Yield on Assets 5.47%
Cost of Funds 1.64%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.27%

Capital & Liquidity

CET1 Ratio 14.76%
Tier 1 Capital 14.76%
Total Capital Ratio 15.94%
Leverage Ratio 11.17%
Loan-to-Deposit 74.67%

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