PEOPLES TRUST AND SAVINGS BANK

BOONVILLE, IN | Small | Est. Jan. 1, 1895, midnight | FDIC #13113 | RSSD #67142 | FDIC
Latest Report: 2025-12-31

PEOPLES TRUST AND SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BOONVILLE, IN, established in Jan. 1, 1895, midnight. As of 2025-12-31, the bank reported total assets of $245M and total deposits of $196M. Profitability stands at 0.79% ROA and 7.03% ROE, with a net interest margin of 2.80%. The bank's CET1 capital ratio is 11.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.38% and a Texas Ratio of 14.20%. FDIC Certificate #13113.

Assets

$245M

Deposits

$196M

Loans

$177M

Equity

$28M

Profitability

Return on Assets (ROA) 0.79%
Return on Equity (ROE) 7.03%
Net Interest Margin (NIM) 2.80%
Yield on Assets 5.07%
Cost of Funds 2.36%

Asset Quality

NPL Ratio 2.38%
Net Charge-Off Ratio 0.01%
Texas Ratio 14.20%
NPA Ratio 1.72%
ACL / Loans 0.91%

Capital & Liquidity

CET1 Ratio 11.40%
Tier 1 Capital 11.40%
Total Capital Ratio 11.97%
Leverage Ratio 12.82%
Loan-to-Deposit 90.07%

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