Peoples State Bank (Prairie du Chien, WI)
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Data as of · sourced from FFIEC call reports. How we update
Peoples State Bank is an FDIC-insured commercial bank headquartered in Prairie du Chien, WI, established in 1915 (FDIC certificate 12814), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $993.0M, up 8.0% from Q2 2025, the 33rd largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 16.02% 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
- 12814
- Headquarters
- Prairie du Chien, WI
- Established
- 1915
- Total assets, Q2 2026
- $993.0M
- Assets vs Q2 2025
- +8.0%
- CET1 ratio, Q2 2026
- 16.02%
- Domestic offices
- 19 FDIC institution directory, current count
- Routing number
- 075908658
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank call report
- Holding company
- PEOPLES BANCORP, INC.
- Asset rank in state
- 33rd of 153 in Wisconsin
Peoples State Bank, based in Prairie Du Chien, Wisconsin, reported $993 million in assets at June 30, 2026, up 8.0% from a year earlier. It grew its loan book 13.1% over the year, 2.4 times the median of 5.5% for the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $3.8 million, 34% above the same quarter a year earlier. Over the same year, loans grew 13.1% and deposits grew 1.8%.
As of June 30, 2026, Peoples State Bank reported a CET1 capital ratio of 16.02%, a return on assets of 1.52%, a nonperforming-loan ratio of 0.21% and a Texas ratio of 1.28%. The figures come from its call report filed with the FFIEC.
Peoples State Bank ranks as the 33rd largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $993.0M, loans rose 1.4% and deposits rose 2.4%. Farmland and other real estate loans made up 27.7% of its total loans on June 30, 2026, its largest category; next came 1-4 family residential loans at 18.6%. Its 19 offices in the FDIC Summary of Deposits are in 18 cities across 2 states; its Prairie Du Chien 2 offices book 43% of its branch deposits. Judged on its Q2 2026 call report, Peoples State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 301 E Blackhawk Ave, Prairie du Chien, WI 53821
- County
- Crawford
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 22, 1915
- Domestic offices
- 19 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $810.8M
- Allowance for credit losses
- $9.5M
- Net charge-offs (YTD)
- -$121K
- Average total assets
- $1.01B
- Average total loans
- $636.7M
- Average interest-bearing deposits
- $542.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 12814
- Fed RSSD
- 262844
- Parent Holding Company
- PEOPLES BANCORP, INC. (RSSD 1209499)
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 State Bank's total assets ranged from $856.4M (Q3 2023) to $993.0M (Q2 2026), 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
$993.0M total assets against $919.2M; $892.1M total liabilities against $835.0M.
$636.9M net loans and leases against $562.2M; $810.8M total deposits against $796.6M.
$265.2M securities against $282.5M; $38.3M cash and balances due against $28.4M.
$12.4M total interest income against $10.8M; $3.5M total interest expense against $3.4M.
$8.9M net interest income against $7.4M.
$879K total noninterest income against $940K; $5.7M total noninterest expense against $5.4M.
$90K provision for credit losses against $60K.
$3.8M net income against $2.9M.
1.52% return on assets against 1.22%; 3.86% net interest margin against 3.38%.
16.02% CET1 capital ratio against 16.88%; 11.54% tier 1 leverage ratio against 11.31%.
Inside the full Peoples State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples State Bank rankings
Its closest position to the top of a national ranking is 1,042 of 4,196, for total assets; its furthest is 2,552 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.69% (Q3 2024) to 1.52% (Q2 2026) and its net interest margin ran from 2.80% (Q3 2024) to 3.86% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.02% | 1.52% | 0.21% | 1.28% | 3.86% |
| Q1 2026 | 15.84% | 1.36% | 0.22% | 1.39% | 3.55% |
| Q4 2025 | 16.03% | 1.50% | 0.28% | 1.75% | 3.56% |
| Q3 2025 | 16.37% | 1.21% | 0.34% | 2.10% | 3.49% |
| Q2 2025 | 16.88% | 1.22% | 0.16% | 1.00% | 3.38% |
| Q1 2025 | 16.41% | 0.78% | 0.14% | 0.94% | 3.04% |
| Q4 2024 | 16.65% | 0.88% | 0.13% | 0.92% | 2.94% |
| Q3 2024 | 15.65% | 0.69% | 0.21% | 1.38% | 2.80% |
Swipe the table sideways to see every column.
Branch Network
View all 19 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 State Bank (main office) | Prairie Du Chien , WI | 53821 | $322.6M |
| Viroqua Branch | Viroqua , WI | 54665 | $69.8M |
| Security State Bank Branch | Guttenberg , IA | 52052 | $54.8M |
| Lancaster Branch | Lancaster , WI | 53813 | $51.2M |
| Woodhouse&Bartley Branch | Bloomington , WI | 53804 | $48.2M |
| Boscobel Branch | Boscobel , WI | 53805 | $29.5M |
| Riverside Square Branch | Prairie Du Chien , WI | 53821 | $27.2M |
| Fennimore Branch | Fennimore , WI | 53809 | $25.4M |
| Seneca Branch | Seneca , WI | 54654 | $23.9M |
| Mt. Hope Branch | Mt. Hope , WI | 53816 | $21.7M |
| Soldiers Grove Branch | Soldiers Grove , WI | 54655 | $21.3M |
| Potosi Branch | Potosi , WI | 53820 | $21.2M |
| Dickeyville Branch | Dickeyville , WI | 53808 | $19.4M |
| Wauzeka Branch | Wauzeka , WI | 53826 | $17.7M |
| Waukon Branch | Waukon , IA | 52172 | $13.9M |
| Patch Grove Branch | Patch Grove , WI | 53817 | $12.9M |
| Interstate Federal Savings and Loan Association of Mcgregor Branch | Mcgregor , IA | 52157 | $11.3M |
| Harpers Ferry | Harpers Ferry , IA | 52146 | $9.8M |
| Eastman Branch | Eastman , WI | 54626 | $8.8M |
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 |
|---|---|---|---|
| February 22, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 22, 2024 | Structure Change | Acquired Interstate Federal Savings and Loan Association of McGregor Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 20, 2011 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 20, 2011 | Structure Change | Acquired Security State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 28, 2010 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 28, 2010 | Structure Change | Acquired The Woodhouse & Bartley Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 1986 | Structure Change | Acquired Blackhawk LTD 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 7 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.3% of deposits in WI, rank 42 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 234 applications, 195 loans originated, $37.5M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $108K approved, $108K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2020 (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 State Bank
What are Peoples State Bank's total assets?
As of the Q2 2026 filing, Peoples State Bank reported total assets of $993.0 million in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in Prairie du Chien, WI, United States.
When was Peoples State Bank founded?
It was established in 1915, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #12814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples State Bank?
Peoples State Bank's primary federal regulator is the FDIC.
What is Peoples State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 16.02% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples State Bank operate?
It operates 19 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples State Bank's Texas Ratio?
Its Texas Ratio is 1.28% 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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