PEOPLES STATE BANK

PRAIRIE DU CHIEN, WI | Medium | Est. Jan. 22, 1915, midnight | FDIC #12814 | RSSD #262844 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK is amn medium FDIC-insured commercial bank headquartered in PRAIRIE DU CHIEN, WI, established in Jan. 22, 1915, midnight. As of 2025-12-31, the bank reported total assets of $966M and total deposits of $779M. Profitability stands at 1.54% ROA and 15.69% ROE, with a net interest margin of 3.70%. The bank's CET1 capital ratio is 16.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.28% and a Texas Ratio of 1.67%. FDIC Certificate #12814.

Assets

$966M

Deposits

$779M

Loans

$616M

Equity

$96M

Profitability

Return on Assets (ROA) 1.54%
Return on Equity (ROE) 15.69%
Net Interest Margin (NIM) 3.70%
Yield on Assets 5.24%
Cost of Funds 1.58%

Asset Quality

NPL Ratio 0.28%
Net Charge-Off Ratio 0.04%
Texas Ratio 1.67%
NPA Ratio 0.18%
ACL / Loans 1.51%

Capital & Liquidity

CET1 Ratio 16.03%
Tier 1 Capital 16.03%
Total Capital Ratio 17.28%
Leverage Ratio 11.40%
Loan-to-Deposit 79.04%

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