Peoples Savings Bank (Indianola, IA)
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Data as of · sourced from FFIEC call reports. How we update
Peoples Savings Bank is an FDIC-insured commercial bank headquartered in Indianola, IA, established in 1998 (FDIC certificate 34973), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $610.4M, up 10.4% from Q2 2025, the 50th largest of 225 banks headquartered in Iowa. Its CET1 capital ratio was 13.67% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 34973
- Headquarters
- Indianola, IA
- Established
- 1998
- Total assets, Q2 2026
- $610.4M
- Assets vs Q2 2025
- +10.4%
- CET1 ratio, Q2 2026
- 13.67%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 073922681
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Savings Bank call report
- Holding company
- CENTRAL SOUTH BANCORPORATION, INC.
- Asset rank in state
- 50th of 225 in Iowa
Problem loans are falling at Peoples Savings Bank. The Indianola, Iowa bank had $610 million in assets at June 30, 2026, up 10.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, fell to 0.91% of loans from 1.29% a year earlier. It keeps 3.35 cents of net interest income on every dollar of earning assets, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 3.95 cents). It also grew deposits 9.4% over the year, 2.3 times the median of 4.0% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $32 million equal 50% of Tier 1 capital, down from 68% a year earlier. Earnings jumped: net income for the quarter was $1.7 million, 39% above the same quarter a year earlier.
As of June 30, 2026, Peoples Savings Bank reported a CET1 capital ratio of 13.67%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.91% and a Texas ratio of 7.33%. The figures come from its call report filed with the FFIEC.
Peoples Savings Bank ranks as the 50th largest of the 225 banks based in Iowa, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 6.4% to $610.4M, loans rose 4.3% and deposits fell 8.3%. Its loan book on June 30, 2026 was led by commercial and industrial loans, at 33.0% of total loans, followed by 1-4 family residential loans at 14.2%. The FDIC Summary of Deposits lists 8 offices for it, in 8 cities in IA; its Indianola office books 56% of its branch deposits. By the capital ratios in its Q2 2026 call report, Peoples Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 400 E Iowa Ave, Indianola, IA 50125
- County
- Warren
- Metro Area
- Des Moines-West Des Moines, IA
- 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
- —
- Call Report form
- FFIEC 051
- Established
- November 20, 1998
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 79
- Domestic deposits
- $533.7M
- Allowance for credit losses
- $4.3M
- Net charge-offs (YTD)
- $91K
- Average total assets
- $656.4M
- Average total loans
- $343.7M
- Average interest-bearing deposits
- $437.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 20, 1998
- FDIC Cert
- 34973
- Fed RSSD
- 2732565
- Website
- www.mybankpsb.com →
- Parent Holding Company
- CENTRAL SOUTH BANCORPORATION, INC. (RSSD 2732574)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Peoples Savings Bank's total assets ranged from $506.2M (Q4 2023) to $652.1M (Q1 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$610.4M total assets against $553.1M; $567.1M total liabilities against $520.7M.
$345.9M net loans and leases against $310.7M; $533.7M total deposits against $487.7M.
$210.9M securities against $193.3M; $15.3M cash and balances due against $11.2M.
$8.2M total interest income against $7.4M; $3.1M total interest expense against $3.2M.
$5.0M net interest income against $4.2M.
$753K total noninterest income against $628K; $3.5M total noninterest expense against $3.2M.
$210K provision for credit losses against $105K.
$1.7M net income against $1.2M.
1.02% return on assets against 0.80%; 3.35% net interest margin against 3.11%.
13.67% CET1 capital ratio against 14.20%; 9.95% tier 1 leverage ratio against 10.06%.
Inside the full Peoples Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Savings Bank rankings
Its closest position to the top of a national ranking is 918 of 3,640, for Texas Ratio; its furthest is 2,471 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.23% (Q4 2024) to 1.02% (Q2 2026) and its net interest margin ran from 2.50% (Q4 2024) to 3.35% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.67% | 1.02% | 0.91% | 7.33% | 3.35% |
| Q1 2026 | 14.19% | 0.82% | 0.95% | 8.42% | 3.19% |
| Q4 2025 | 14.13% | 1.02% | 0.99% | 8.33% | 3.34% |
| Q3 2025 | 14.37% | 0.96% | 1.14% | 10.02% | 3.33% |
| Q2 2025 | 14.20% | 0.80% | 1.29% | 12.50% | 3.11% |
| Q1 2025 | 14.55% | 0.30% | 2.84% | 24.29% | 2.75% |
| Q4 2024 | 14.77% | -1.23% | 2.91% | 23.79% | 2.50% |
| Q3 2024 | 15.25% | 0.94% | 3.97% | 32.47% | 3.28% |
Swipe the table sideways to see every column.
Branch Network
View all 8 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 |
|---|---|---|---|
| Peoples Savings Bank (main office) | Indianola , IA | 50125 | $298.3M |
| Carlisle Branch | Carlisle , IA | 50047 | $74.0M |
| Pleasantville Branch | Pleasantville , IA | 50225 | $48.6M |
| Chariton Branch | Chariton , IA | 50049 | $29.3M |
| Seymour Branch | Seymour , IA | 52590 | $29.0M |
| Lacona Branch | Lacona , IA | 50139 | $23.2M |
| Knoxville Branch | Knoxville , IA | 50138 | $19.9M |
| Milo Branch | Milo , IA | 50166 | $11.4M |
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 |
|---|---|---|---|
| October 4, 2014 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 4, 2014 | Structure Change | Acquired Pleasantville State Bank 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
- 0.4% of deposits in IA, rank 52 of 261 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 103 applications, 87 loans originated, $21.0M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $80K approved, $80K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Peoples Savings Bank
What are Peoples Savings Bank's total assets?
As of the Q2 2026 filing, Peoples Savings Bank reported total assets of $610.4 million in its FFIEC call report.
Where is Peoples Savings Bank headquartered?
It is headquartered in Indianola, IA, United States.
When was Peoples Savings Bank founded?
It was established in 1998, per the FDIC institution directory.
Is Peoples Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #34973). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Savings Bank?
Peoples Savings Bank's primary federal regulator is the FDIC.
What is Peoples Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.67% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples Savings Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Savings Bank's Texas Ratio?
Its Texas Ratio is 7.33% 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.
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