PEOPLES STATE BANK

WAUSAU, WI | Large | Est. Aug. 1, 1962, midnight | FDIC #18569 | RSSD #340144 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK is aln large FDIC-insured commercial bank headquartered in WAUSAU, WI, established in Aug. 1, 1962, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.2B. Profitability stands at 1.16% ROA and 12.54% ROE, with a net interest margin of 3.60%. The bank's CET1 capital ratio is 13.46%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.48% and a Texas Ratio of 10.90%. FDIC Certificate #18569.

Assets

$1.5B

Deposits

$1.2B

Loans

$1.1B

Equity

$138M

Profitability

Return on Assets (ROA) 1.16%
Return on Equity (ROE) 12.54%
Net Interest Margin (NIM) 3.60%
Yield on Assets 5.79%
Cost of Funds 2.93%

Asset Quality

NPL Ratio 1.48%
Net Charge-Off Ratio 0.05%
Texas Ratio 10.90%
NPA Ratio 1.13%
ACL / Loans 1.14%

Capital & Liquidity

CET1 Ratio 13.46%
Tier 1 Capital 13.46%
Total Capital Ratio 14.66%
Leverage Ratio 9.84%
Loan-to-Deposit 93.21%

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