PEOPLES SAVINGS BANK

INDIANOLA, IA | Medium | Est. Nov. 20, 1998, midnight | FDIC #34973 | RSSD #2732565 | FDIC
Latest Report: 2025-12-31

PEOPLES SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in INDIANOLA, IA, established in Nov. 20, 1998, midnight. As of 2025-12-31, the bank reported total assets of $576M and total deposits of $515M. Profitability stands at 1.07% ROA and 16.26% ROE, with a net interest margin of 3.51%. The bank's CET1 capital ratio is 14.13%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.99% and a Texas Ratio of 7.78%. FDIC Certificate #34973.

Assets

$576M

Deposits

$515M

Loans

$332M

Equity

$40M

Profitability

Return on Assets (ROA) 1.07%
Return on Equity (ROE) 16.26%
Net Interest Margin (NIM) 3.51%
Yield on Assets 5.84%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.99%
Net Charge-Off Ratio 1.34%
Texas Ratio 7.78%
NPA Ratio 0.60%
ACL / Loans 1.20%

Capital & Liquidity

CET1 Ratio 14.13%
Tier 1 Capital 14.13%
Total Capital Ratio 15.02%
Leverage Ratio 10.29%
Loan-to-Deposit 64.49%

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