BanksPEOPLES STATE BANK

PEOPLES STATE BANK

CHERRYVALE, KSMicroEst. Jan. 1, 1880, midnightFDIC #16744RSSD #741358FDIC
Latest · 2025-12-31

PEOPLES STATE BANK is an 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%. CET1 capital ratio: 19.44%, well above regulatory minimums. NPL ratio: 0.11% · Texas Ratio: 1.30%. Operates 1 domestic branch.

Assets
$24M
Deposits
$18M
Loans
$21M
Equity
$5M

Profitability

Return on Assets (ROA)2.98%
Return on Equity (ROE)13.97%
Net Interest Margin6.42%
Yield on Assets8.15%
Cost of Funds2.04%

Asset Quality

NPL Ratio0.11%
Net Charge-Off Ratio-0.09%
Texas Ratio1.30%
NPA Ratio0.26%
ACL / Loans0.95%

Capital & Liquidity

CET1 Ratio19.44%
Tier 1 Capital19.44%
Total Capital Ratio20.41%
Leverage Ratio20.42%
Loan-to-Deposit118.26%

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