Peoples State Bank (Wausau, 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 Wausau, WI, established in 1962 (FDIC certificate 18569), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.50B, down 0.3% from Q2 2025, the 21st largest of 153 banks headquartered in Wisconsin. Its CET1 capital ratio was 13.41% 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
- 18569
- Headquarters
- Wausau, WI
- Established
- 1962
- Total assets, Q2 2026
- $1.50B
- Assets vs Q2 2025
- -0.3%
- CET1 ratio, Q2 2026
- 13.41%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 075911616
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank call report
- Holding company
- PSB HOLDINGS, INC.
- Asset rank in state
- 21st of 153 in Wisconsin
Peoples State Bank, based in Wausau, Wisconsin, reported $1.5 billion in assets at June 30, 2026. It carries problem assets equal to 10.5% of the capital and reserves that would absorb them, about triple the median of 3.6% for the 895 banks with $1 billion to $10 billion in assets. It also grew deposits 0.0% over the year, a small fraction of the median of 5.1% for banks its size.
Paper losses on its bond portfolio are shrinking: unrealized losses of $21 million equal 14% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, Peoples State Bank reported a CET1 capital ratio of 13.41%, a return on assets of 1.15%, a nonperforming-loan ratio of 1.40% and a Texas ratio of 10.54%. The figures come from its call report filed with the FFIEC.
Peoples State Bank ranks as the 21st largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.5% to $1.50B, loans rose 1.6% and deposits fell 0.9%. 1-4 family residential loans made up 26.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 24.5%. The FDIC Summary of Deposits lists 12 offices for it, in 10 cities in WI; its Wausau 3 offices book 44% 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
- 1905 Stewart Ave, Wausau, WI 54401
- County
- Marathon
- Metro Area
- Wausau, WI
- 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
- —
- Call Report form
- FFIEC 051
- Established
- August 1, 1962
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 188
- Domestic deposits
- $1.19B
- Allowance for credit losses
- $13.4M
- Net charge-offs (YTD)
- $8K
- Average total assets
- $1.51B
- Average total loans
- $1.13B
- Average interest-bearing deposits
- $905.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 1, 1962
- FDIC Cert
- 18569
- Fed RSSD
- 340144
- SEC CIK
- 948368 → filed by PSB HOLDINGS, INC.
- Website
- www.bankpeoples.com →
- Parent Holding Company
- PSB HOLDINGS, INC. (RSSD 2321419)
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
Over the 12 quarters to Q2 2026, Peoples State Bank's total assets ran between $1.42B (Q1 2024) and $1.51B (Q2 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
$1.50B total assets against $1.51B; $1.36B total liabilities against $1.38B.
$1.13B net loans and leases against $1.11B; $1.19B total deposits against $1.19B.
$241.7M securities against $267.4M; $57.5M cash and balances due against $57.4M.
$20.0M total interest income against $19.2M; $7.3M total interest expense against $7.9M.
$12.7M net interest income against $11.3M.
$2.1M total noninterest income against $2.1M; $9.2M total noninterest expense against $8.4M.
$325K provision for credit losses against $109K.
$4.3M net income against $4.1M.
1.15% return on assets against 1.08%; 3.57% net interest margin against 3.19%.
13.41% CET1 capital ratio against 12.72%; 10.17% tier 1 leverage ratio against 9.53%.
Inside the full Peoples State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Peoples State Bank rankings
Its closest position to the top of a national ranking is 589 of 3,640, for Texas Ratio; its furthest is 1,279 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.78% (Q1 2025) to 1.15% (Q2 2026) and its net interest margin ran from 3.01% (Q3 2024) to 3.57% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.41% | 1.15% | 1.40% | 10.54% | 3.57% |
| Q1 2026 | 13.51% | 1.02% | 1.37% | 10.37% | 3.50% |
| Q4 2025 | 13.46% | 1.13% | 1.48% | 11.14% | 3.44% |
| Q3 2025 | 13.44% | 1.02% | 1.47% | 11.36% | 3.32% |
| Q2 2025 | 12.72% | 1.08% | 1.39% | 11.11% | 3.19% |
| Q1 2025 | 13.05% | 0.78% | 1.13% | 9.30% | 3.07% |
| Q4 2024 | 12.90% | 0.91% | 0.94% | 7.66% | 3.09% |
| Q3 2024 | 13.41% | 0.89% | 0.96% | 7.50% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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) | Wausau , WI | 54401 | $355.3M |
| Marathon Branch | Marathon , WI | 54448 | $150.9M |
| Rhinelander Branch - Anderson | Rhinelander , WI | 54501 | $133.3M |
| Weston Branch | Weston , WI | 54476 | $121.1M |
| Eastside Branch | Wausau , WI | 54403 | $121.1M |
| 521 West Sunset Drive Branch | Waukesha , WI | 53189 | $75.7M |
| Eagle River Branch | Eagle River , WI | 54521 | $68.1M |
| Minocqua Branch | Minocqua , WI | 54548 | $58.4M |
| Rib Mountain Branch | Wausau , WI | 54401 | $44.0M |
| People State Bank Branch | Milwaukee , WI | 53202 | $24.2M |
| Peoples State Bank Branch | Stevens Point , WI | 54481 | $20.3M |
| West Allis Branch | West Allis , WI | 53227 | $17.1M |
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 |
|---|---|---|---|
| June 12, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 12, 2021 | Structure Change | Acquired Sunset Bank & Savings Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 13, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 12, 2012 | Structure Change | Acquired Marathon 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 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.6% of deposits in WI, rank 25 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 387 applications, 276 loans originated, $76.6M originated, across 6 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 10 loans, $7.6M approved, $761K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 $1.50 billion in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in Wausau, WI, United States.
When was Peoples State Bank founded?
It was established in 1962, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #18569). 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 13.41% 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 12 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 10.54% 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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