PCSB Bank
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Data as of · sourced from FFIEC call reports. How we update
PCSB Bank is an FDIC-insured commercial bank headquartered in Clarinda, IA, established in 1866 (FDIC certificate 14522), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $326.1M, up 2.4% from Q2 2025, the 96th largest of 225 banks headquartered in Iowa. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.09% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 14522
- Headquarters
- Clarinda, IA
- Established
- 1866
- Total assets, Q2 2026
- $326.1M
- Assets vs Q2 2025
- +2.4%
- Tier 1 leverage ratio, Q2 2026
- 11.09%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 073902397
- Holding company
- WHITMORE COMPANY, INC.
- Asset rank in state
- 96th of 225 in Iowa
PCSB Bank, based in Clarinda, Iowa, reported $326 million in assets at June 30, 2026, up 2.4% from a year earlier. It keeps 3.02 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). On the other hand, it holds commercial real estate loans equal to only 47% of its capital, about a third the median of 1.2 times for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.25% of loans from 1.34%. Earnings jumped: net income for the quarter was $759,000, 51% above the same quarter a year earlier.
As of June 30, 2026, PCSB Bank reported a return on assets of 0.90%, a nonperforming-loan ratio of 0.25% and a Texas ratio of 1.37%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, PCSB Bank is the 96th largest of the 225 banks headquartered in Iowa. From Q1 2026 to Q2 2026, its total assets fell 1.9% to $326.1M, loans rose 1.6% and deposits fell 2.6%. Farmland and other real estate loans made up 33.9% of its total loans on June 30, 2026, its largest category; next came agricultural production loans at 19.9%. Its 7 offices in the FDIC Summary of Deposits are in 6 cities in IA; its Clarinda 2 offices book 50% of its branch deposits. Judged on its Q2 2026 call report, PCSB Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 120 E Washington St, Clarinda, IA 51632
- County
- Page
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 041
- Established
- January 1, 1866
- Former names
- Page County State Bank (1976-2013)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 41
- Domestic deposits
- $294.0M
- Allowance for credit losses
- $2.0M
- Net charge-offs (YTD)
- $17K
- Average total assets
- $335.6M
- Average total loans
- $178.3M
- Average interest-bearing deposits
- $246.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 28, 1934
- FDIC Cert
- 14522
- Fed RSSD
- 188449
- Website
- www.wearepcsb.com →
- Parent Holding Company
- WHITMORE COMPANY, INC. (RSSD 1200049)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, PCSB Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, PCSB Bank's total assets ran between $303.8M (Q3 2023) and $337.2M (Q4 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$326.1M total assets against $318.4M; $295.7M total liabilities against $292.7M.
$177.4M net loans and leases against $173.4M; $294.0M total deposits against $291.1M.
$101.5M securities against $105.4M; $37.4M cash and balances due against $29.5M.
$3.7M total interest income against $3.5M; $1.4M total interest expense against $1.5M.
$2.3M net interest income against $2.1M.
$284K total noninterest income against $251K; $1.8M total noninterest expense against $1.8M.
$0 provision for credit losses against $0.
$759K net income against $504K.
0.90% return on assets against 0.61%; 3.02% net interest margin against 2.73%.
11.09% tier 1 leverage ratio against 10.69%.
Inside the full PCSB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePCSB Bank rankings
Its closest position to the top of a national ranking is 2,342 of 4,196, for total assets; its furthest is 2,702 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.49% (Q3 2024) to 0.90% (Q2 2026) and its net interest margin ran from 2.53% (Q3 2024) to 3.02% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.09% | 0.90% | 0.25% | 1.37% | 3.02% |
| Q1 2026 | 11.11% | 0.90% | 0.30% | 2.54% | 2.98% |
| Q4 2025 | 10.81% | 0.83% | 0.16% | 1.76% | 2.94% |
| Q3 2025 | 10.92% | 0.70% | 1.29% | 7.46% | 2.84% |
| Q2 2025 | 10.69% | 0.61% | 1.34% | 8.50% | 2.73% |
| Q1 2025 | 10.50% | 0.69% | 1.29% | 8.59% | 2.63% |
| Q4 2024 | 10.40% | 0.66% | 0.46% | 3.13% | 2.72% |
| Q3 2024 | 10.43% | 0.49% | 2.31% | 14.77% | 2.53% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| PCSB Bank (main office) | Clarinda , IA | 51632 | $146.6M |
| Creston Branch | Creston , IA | 50801 | $53.8M |
| Corning Branch | Corning , IA | 50841 | $37.3M |
| Lenox Branch | Lenox , IA | 50851 | $24.3M |
| Mount Ayr Branch | Mount Ayr , IA | 50854 | $17.7M |
| Bedford Branch | Bedford , IA | 50833 | $14.3M |
| Consumer Branch | Clarinda , IA | 51632 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 1, 2013 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 1, 2013 | Structure Change | Acquired First Federal Savings Bank of Creston Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IA, rank 99 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $500K approved, $500K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2014 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about PCSB Bank
What are PCSB Bank's total assets?
As of the Q2 2026 filing, PCSB Bank reported total assets of $326.1 million in its FFIEC call report.
Where is PCSB Bank headquartered?
It is headquartered in Clarinda, IA, United States.
When was PCSB Bank founded?
It was established in 1866, per the FDIC institution directory.
Is PCSB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PCSB Bank?
PCSB Bank's primary federal regulator is the FDIC.
How many branches does PCSB Bank operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is PCSB Bank's Texas Ratio?
Its Texas Ratio is 1.37% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was PCSB Bank previously called?
The charter now named PCSB Bank has also operated as Page County State Bank (1976-2013), per FDIC structure-change records.
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