Bank Comparison
Peoples State Bank vs Union County Savings Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
15 · 8
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Peoples State Bank | Union County Savings Bank |
|---|---|---|
| CET1 Ratio | 13.51% | 21.76% |
| Tier 1 Capital Ratio | 13.51% | 21.76% |
| Total Capital Ratio | 14.75% | 22.08% |
| Tier 1 Leverage Ratio | 9.97% | 8.10% |
| Equity / Assets | 9.32% | -1.15% |
Profitability
| Metric | Peoples State Bank | Union County Savings Bank |
|---|---|---|
| Return on Assets (ROA) | 1.02% | -1.22% |
| Return on Equity (ROE) | 11.00% | 170.04% |
| Net Interest Margin (NIM) | 3.50% | -0.45% |
| Yield on Earning Assets | 5.53% | 3.31% |
| Cost of Funds | 2.20% | 3.38% |
Asset quality
| Metric | Peoples State Bank | Union County Savings Bank |
|---|---|---|
| Texas Ratio | 11.02% | — |
| Non-Performing Loan Ratio | 1.44% | 0.83% |
| Non-Performing Asset Ratio | 1.09% | 0.17% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 1.16% | 0.65% |
Balance sheet
| Metric | Peoples State Bank | Union County Savings Bank |
|---|---|---|
| Total Assets | $1,494M | $1,490M |
| Total Deposits | $1,200M | $1,349M |
| Total Loans | $1,129M | $302,048K |
| Total Equity | $139,297K | $-17,116 |
| Net Income (quarter) | $3,817K | $-5,128 |
Liquidity & funding
| Metric | Peoples State Bank | Union County Savings Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 94.14% | 22.39% |
| Core Deposit Ratio | 93.58% | 76.48% |
| Uninsured Deposit Ratio | 33.85% | 14.43% |
Identity
| Metric | Peoples State Bank | Union County Savings Bank |
|---|---|---|
| Headquarters City | WAUSAU | ELIZABETH |
| Headquarters State | WI | NJ |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 12 | 4 |
| Employees (FTE) | 197 | 48 |
| Established | Aug. 1, 1962, midnight | Oct. 1, 1883, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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