Peoples State Bank (Cherryvale, KS)
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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 Cherryvale, KS, established in 1880 (FDIC certificate 16744), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $23.5M, up 19.4% from Q2 2025, the 178th largest of 182 banks headquartered in Kansas. It reports no CET1 ratio; its Tier 1 leverage ratio was 19.83% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 16744
- Headquarters
- Cherryvale, KS
- Established
- 1880
- Total assets, Q2 2026
- $23.5M
- Assets vs Q2 2025
- +19.4%
- Tier 1 leverage ratio, Q2 2026
- 19.83%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 101101439
- Holding company
- FIRST HOWARD BANKSHARES, INC.
- Asset rank in state
- 178th of 182 in Kansas
Peoples State Bank is one of the more profitable banks of its size. It reported $23 million in assets at June 30, 2026, up 19.4% from a year earlier. It earns about $2.69 a year on every $100 of assets, 2.5 times the median of $1.06 for the 583 banks with less than $100 million in assets. It also keeps 5.52 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 banks its size (median 3.87 cents). Much of that comes from cost control: it spends about 51 cents to bring in each dollar of revenue.
Loans are outrunning deposits: over the year loans rose 25.9% and deposits rose 17.8%. Problem loans roughly halved over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.33% of loans from 0.64%. Funding is the softer spot: it pays an average of 2.28% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Peoples State Bank reported a return on assets of 2.69%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 2.14%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples State Bank is the 178th largest of the 182 banks headquartered in Kansas. From Q1 2026 to Q2 2026, its total assets fell 2.7% to $23.5M, loans fell 3.1% and deposits fell 3.0%. The largest part of its loan book on June 30, 2026 was agricultural production loans, at 44.4% of total loans, ahead of 1-4 family residential loans at 24.0%. Its one office in the FDIC Summary of Deposits is in Cherryvale, KS. On its Q2 2026 call report, Peoples State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 200 W Main St, Cherryvale, KS 67335
- County
- Montgomery
- 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 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1880
- Former names
- The Peoples State Bank (1971)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 5
- Domestic deposits
- $17.4M
- Allowance for credit losses
- $208K
- Net charge-offs (YTD)
- -$7K
- Average total assets
- $23.9M
- Average total loans
- $20.9M
- Average interest-bearing deposits
- $11.3M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- November 4, 1948
- FDIC Cert
- 16744
- Fed RSSD
- 741358
- Website
- http://www.psbcherryvale.com →
- Parent Holding Company
- FIRST HOWARD BANKSHARES, INC. (RSSD 1059519)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, Peoples State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples State Bank's total assets moved between a low of $17.1M (Q3 2023) and a high of $24.1M (Q1 2026) from Q3 2023 to 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
$23.5M total assets against $19.7M; $18.7M total liabilities against $14.9M.
$20.5M net loans and leases against $16.3M; $17.4M total deposits against $14.8M.
$250K securities against $410K; $1.9M cash and balances due against $2.1M.
$412K total interest income against $374K; $99K total interest expense against $77K.
$313K net interest income against $297K.
$33K total noninterest income against $34K; $178K total noninterest expense against $152K.
$0 provision for credit losses against $0.
$161K net income against $171K.
2.69% return on assets against 3.26%; 5.52% net interest margin against 6.01%.
19.83% tier 1 leverage ratio against 22.61%.
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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Peoples State Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 2.69% (Q2 2026) to 3.47% (Q3 2025) and its net interest margin ran from 5.42% (Q1 2026) to 6.54% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 19.83% | 2.69% | 0.33% | 2.14% | 5.52% |
| Q1 2026 | 19.56% | 2.94% | 0.45% | 2.67% | 5.42% |
| Q4 2025 | 20.42% | 2.87% | 0.68% | 3.81% | 6.06% |
| Q3 2025 | 23.56% | 3.47% | 0.53% | 3.86% | 6.52% |
| Q2 2025 | 22.61% | 3.26% | 0.64% | 4.06% | 6.01% |
| Q1 2025 | 23.08% | 3.42% | 0.33% | 3.11% | 6.39% |
| Q4 2024 | 22.78% | 3.34% | 1.54% | 6.79% | 6.54% |
| Q3 2024 | 24.01% | 3.47% | 0.97% | 4.49% | 6.48% |
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Branch Network
View the branch → 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 |
|---|---|---|---|
| The Peoples State Bank | Cherryvale , KS | 67335 | $17.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in KS, rank 221 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- 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 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), 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 $23.5 million in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in Cherryvale, KS, United States.
When was Peoples State Bank founded?
It was established in 1880, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #16744). 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.
How many branches does Peoples State Bank operate?
It operates 1 domestic office, 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 2.14% 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.
What was Peoples State Bank previously called?
The charter now named Peoples State Bank has also operated as The Peoples State Bank (1971), per FDIC structure-change records.
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