PEOPLES STATE BANK OF MUNISING

MUNISING, MI | Small | Est. June 7, 1910, midnight | FDIC #15165 | RSSD #262956 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK OF MUNISING is asn small FDIC-insured commercial bank headquartered in MUNISING, MI, established in June 7, 1910, midnight. As of 2025-12-31, the bank reported total assets of $182M and total deposits of $139M. Profitability stands at 1.14% ROA and 9.59% ROE, with a net interest margin of 3.29%. The bank's CET1 capital ratio is 11.45%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 3.17% and a Texas Ratio of 13.77%. FDIC Certificate #15165.

Assets

$182M

Deposits

$139M

Loans

$107M

Equity

$22M

Profitability

Return on Assets (ROA) 1.14%
Return on Equity (ROE) 9.59%
Net Interest Margin (NIM) 3.29%
Yield on Assets 4.58%
Cost of Funds 1.36%

Asset Quality

NPL Ratio 3.17%
Net Charge-Off Ratio 0.01%
Texas Ratio 13.77%
NPA Ratio 1.86%
ACL / Loans 2.09%

Capital & Liquidity

CET1 Ratio 11.45%
Tier 1 Capital 11.45%
Total Capital Ratio 12.02%
Leverage Ratio 11.49%
Loan-to-Deposit 76.91%

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