PEOPLES STATE BANK

CHERRYVALE, KS | Micro | Est. Jan. 1, 1880, midnight | FDIC #16744 | RSSD #741358 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK is amn micro FDIC-insured commercial bank headquartered in CHERRYVALE, KS, established in Jan. 1, 1880, midnight. As of 2025-12-31, the bank reported total assets of $24M and total deposits of $18M. Profitability stands at 2.98% ROA and 13.97% ROE, with a net interest margin of 6.42%. The bank's CET1 capital ratio is 19.44%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.11% and a Texas Ratio of 1.30%. FDIC Certificate #16744.

Assets

$24M

Deposits

$18M

Loans

$21M

Equity

$5M

Profitability

Return on Assets (ROA) 2.98%
Return on Equity (ROE) 13.97%
Net Interest Margin (NIM) 6.42%
Yield on Assets 8.15%
Cost of Funds 2.69%

Asset Quality

NPL Ratio 0.11%
Net Charge-Off Ratio -0.09%
Texas Ratio 1.30%
NPA Ratio 0.26%
ACL / Loans 0.95%

Capital & Liquidity

CET1 Ratio 19.44%
Tier 1 Capital 19.44%
Total Capital Ratio 20.41%
Leverage Ratio 20.42%
Loan-to-Deposit 118.26%

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