Peoples State 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 Reserve coverage of non-performing loans: 3.15 percentage points higher than in Q1 2026, at 261.93%. Within Wisconsin, Peoples State Bank is 53rd of 153 on return on assets, 1.52% as of Q2 2026, above the middle of the field. Peoples State Bank reported 1.52% on return on assets for Q2 2026, 0.26 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.02% |
| Tier 1 risk-based capital ratio | 16.02% |
| Total risk-based capital ratio | 17.27% |
| Tier 1 leverage ratio | 11.54% |
| Equity capital to assets | 10.15% |
| Tangible equity to tangible assets | 9.70% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | -0.08% |
| Texas ratio | 3.43% |
| Allowance for credit losses to loans | 1.47% |
| Reserve coverage of non-performing loans | 261.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.52% |
| Return on equity | 15.53% |
| Net interest margin | 3.86% |
| Efficiency ratio | 55.67% |
| Yield on earning assets | 5.32% |
| Cost of funds | 1.72% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 79.72% |
| Core deposits to total deposits | 92.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.65% |
| Securities to assets | 26.71% |
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 | 18.16% | 18.16% | 19.42% | 11.28% | 0.57% |
| Q4 2023 | 17.41% | 17.41% | 18.67% | 11.34% | 0.90% |
| Q1 2024 | 16.92% | 16.92% | 18.18% | 11.24% | 0.50% |
| Q2 2024 | 16.96% | 16.96% | 18.21% | 11.37% | 0.74% |
| Q3 2024 | 15.65% | 15.65% | 16.90% | 10.61% | 0.69% |
| Q4 2024 | 16.65% | 16.65% | 17.90% | 10.99% | 0.88% |
| Q1 2025 | 16.41% | 16.41% | 17.66% | 11.11% | 0.78% |
| Q2 2025 | 16.88% | 16.88% | 18.13% | 11.31% | 1.22% |
| Q3 2025 | 16.37% | 16.37% | 17.62% | 11.47% | 1.21% |
| Q4 2025 | 16.03% | 16.03% | 17.28% | 11.40% | 1.50% |
| Q1 2026 | 15.84% | 15.84% | 17.09% | 11.39% | 1.36% |
| Q2 2026 | 16.02% | 16.02% | 17.27% | 11.54% | 1.52% |
Peoples State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12814) · FFIEC NIC profile (RSSD 262844)