Peoples Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 7.93 percentage points higher than in Q1 2026, at 65.62%. Within Iowa, Peoples Savings Bank is 179th of 225 on return on assets, 1.02% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples Savings Bank sits 0.24 points lower, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.67% |
| Tier 1 risk-based capital ratio | 13.67% |
| Total risk-based capital ratio | 14.58% |
| Tier 1 leverage ratio | 9.95% |
| Equity capital to assets | 7.10% |
| Tangible equity to tangible assets | 6.66% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.95% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 7.65% |
| Allowance for credit losses to loans | 1.23% |
| Reserve coverage of non-performing loans | 129.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 16.11% |
| Net interest margin | 3.35% |
| Efficiency ratio | 58.66% |
| Yield on earning assets | 5.38% |
| Cost of funds | 2.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 65.62% |
| Core deposits to total deposits | 81.85% |
| Brokered deposits to total deposits | 5.34% |
| Deposits to assets | 87.44% |
| Securities to assets | 34.55% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.12% | 15.12% | 15.99% | 10.64% | 0.80% |
| Q4 2023 | 15.31% | 15.31% | 16.20% | 10.61% | 1.10% |
| Q1 2024 | 15.36% | 15.36% | 16.25% | 10.80% | 0.88% |
| Q2 2024 | 15.62% | 15.62% | 16.54% | 10.73% | 0.93% |
| Q3 2024 | 15.25% | 15.25% | 16.16% | 10.81% | 0.94% |
| Q4 2024 | 14.77% | 14.77% | 16.03% | 9.71% | -1.23% |
| Q1 2025 | 14.55% | 14.55% | 15.81% | 10.03% | 0.30% |
| Q2 2025 | 14.20% | 14.20% | 15.19% | 10.06% | 0.80% |
| Q3 2025 | 14.37% | 14.37% | 15.28% | 10.28% | 0.96% |
| Q4 2025 | 14.13% | 14.13% | 15.02% | 10.29% | 1.02% |
| Q1 2026 | 14.19% | 14.19% | 15.10% | 10.24% | 0.82% |
| Q2 2026 | 13.67% | 13.67% | 14.58% | 9.95% | 1.02% |
Peoples Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 34973) · FFIEC NIC profile (RSSD 2732565)