BanksPEOPLES STATE BANK

PEOPLES STATE BANK

WAUSAU, WILargeEst. Aug. 1, 1962, midnightFDIC #18569RSSD #340144FDIC
Latest · 2025-12-31

PEOPLES STATE BANK is an 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%. CET1 capital ratio: 13.46%, well above regulatory minimums. NPL ratio: 1.48% · Texas Ratio: 10.90%. Operates 12 domestic branches.

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 Margin3.60%
Yield on Assets5.79%
Cost of Funds2.25%

Asset Quality

NPL Ratio1.48%
Net Charge-Off Ratio0.05%
Texas Ratio10.90%
NPA Ratio1.13%
ACL / Loans1.14%

Capital & Liquidity

CET1 Ratio13.46%
Tier 1 Capital13.46%
Total Capital Ratio14.66%
Leverage Ratio9.84%
Loan-to-Deposit93.21%

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