PEOPLES STATE BANK
PEOPLES STATE BANK is an FDIC-insured commercial bank headquartered in WAUSAU, WI, established in 1962. As of , 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 3.42%. CET1 capital ratio: 13.46%, well above regulatory minimums. NPL ratio: 1.56% · Texas Ratio: 11.48%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Peoples State Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.46% | 1.16% | 1.56% | 11.48% | 3.42% |
| 2025-09-30 | 13.44% | 1.03% | 1.51% | 11.40% | 3.29% |
| 2025-06-30 | 12.72% | 1.10% | 1.39% | 10.91% | 3.17% |
| 2025-03-31 | 13.05% | 0.79% | 1.12% | 9.01% | 3.06% |
| 2024-12-31 | 12.90% | 0.93% | 0.95% | 7.69% | 3.07% |
| 2024-09-30 | 13.41% | 0.89% | 0.97% | 7.54% | 2.98% |
| 2024-06-30 | 12.64% | 0.76% | 1.15% | 9.61% | 2.87% |
| 2024-03-31 | 12.80% | 0.57% | 1.08% | 9.24% | 2.82% |
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Frequently asked about PEOPLES STATE BANK
What are Peoples State Bank's total assets?
As of the Q4 2025 filing, Peoples State Bank reported total assets of $1.46 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples State Bank headquartered?
Peoples State Bank is headquartered in WAUSAU, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples State Bank founded?
Peoples State Bank was established in 1962, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. Peoples State Bank is an FDIC-insured commercial bank (FDIC Certificate #18569). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples State Bank?
Peoples State Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples State Bank's CET1 capital ratio?
Peoples State Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.46% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Peoples State Bank operate?
Peoples State Bank operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoples State Bank's Texas Ratio?
Peoples State Bank's Texas Ratio is 11.48% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.