PEOPLES STATE BANK, THE

ELLETTSVILLE, IN | Small | Est. Jan. 1, 1904, midnight | FDIC #14113 | RSSD #454546 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK, THE is asn small FDIC-insured commercial bank headquartered in ELLETTSVILLE, IN, established in Jan. 1, 1904, midnight. As of 2025-12-31, the bank reported total assets of $482M and total deposits of $421M. Profitability stands at 1.01% ROA and 10.67% ROE, with a net interest margin of 3.85%. The bank's CET1 capital ratio is 8.87%. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.32%. FDIC Certificate #14113.

Assets

$482M

Deposits

$421M

Loans

$271M

Equity

$46M

Profitability

Return on Assets (ROA) 1.01%
Return on Equity (ROE) 10.67%
Net Interest Margin (NIM) 3.85%
Yield on Assets 5.66%
Cost of Funds 1.91%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.02%
Texas Ratio 2.32%
NPA Ratio 0.23%
ACL / Loans 1.01%

Capital & Liquidity

CET1 Ratio 8.87%
Tier 1 Capital 8.87%
Total Capital Ratio 9.32%
Leverage Ratio 10.51%
Loan-to-Deposit 64.34%

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