Peoples State Bank of Plainview
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Data as of · sourced from FFIEC call reports. How we update
Peoples State Bank of Plainview is an FDIC-insured commercial bank headquartered in Plainview, MN, established in 1925 (FDIC certificate 1100), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $429.1M, up 10.2% from Q2 2025, the 60th largest of 221 banks headquartered in Minnesota. Its CET1 capital ratio was 12.96% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 1100
- Headquarters
- Plainview, MN
- Established
- 1925
- Total assets, Q2 2026
- $429.1M
- Assets vs Q2 2025
- +10.2%
- CET1 ratio, Q2 2026
- 12.96%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 091915612
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank of Plainview call report
- Holding company
- WRZ BANKSHARES, INC.
- Asset rank in state
- 60th of 221 in Minnesota
Problem loans are rising at Peoples State Bank of Plainview. The Plainview, Minnesota bank had $429 million in assets at June 30, 2026, up 10.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.95% of loans from 0.17% a year earlier. It returns 26.2% a year on shareholders' equity, about double the median of 12.5% for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it funds 8.87% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
Earnings jumped: net income for the quarter was $1.8 million, 36% above the same quarter a year earlier. The commercial and industrial book ($36 million) is worsening: 1.86% of it is past due or on nonaccrual, up from 0.24% a year earlier. Credit is the area to watch: it carries problem assets equal to 8.9% of the capital and reserves that would absorb them, about triple the median of 2.6% for banks its size.
As of June 30, 2026, Peoples State Bank of Plainview reported a CET1 capital ratio of 12.96%, a return on assets of 1.75%, a nonperforming-loan ratio of 0.95% and a Texas ratio of 8.86%. The figures come from its call report filed with the FFIEC.
Peoples State Bank of Plainview ranks as the 60th largest of the 221 banks based in Minnesota, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 5.5% to $429.1M, loans rose 3.9% and deposits rose 6.1%. 1-4 family residential loans made up 36.9% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 18.1%. The FDIC Summary of Deposits lists 5 offices for it, in 5 cities across 2 states; its Plainview office books 48% of its branch deposits. Judged on its Q2 2026 call report, Peoples State Bank of Plainview meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 100 4th Ave Se, Plainview, MN 55964
- County
- Wabasha
- Metro Area
- Rochester, MN
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 9, Minneapolis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- June 29, 1925
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 45
- Domestic deposits
- $393.2M
- Allowance for credit losses
- $3.5M
- Net charge-offs (YTD)
- $2K
- Average total assets
- $419.3M
- Average total loans
- $295.3M
- Average interest-bearing deposits
- $316.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 1100
- Fed RSSD
- 786555
- Website
- www.peoplesstatebank.com →
- Parent Holding Company
- WRZ BANKSHARES, INC. (RSSD 1427640)
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
Peoples State Bank of Plainview's total assets moved between a low of $354.7M (Q3 2023) and a high of $429.1M (Q2 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
$429.1M total assets against $389.5M; $400.5M total liabilities against $366.4M.
$295.1M net loans and leases against $262.8M; $393.2M total deposits against $351.0M.
$98.1M securities against $93.0M; $21.2M cash and balances due against $18.6M.
$5.8M total interest income against $5.2M; $2.0M total interest expense against $2.0M.
$3.8M net interest income against $3.2M.
$579K total noninterest income against $461K; $2.2M total noninterest expense against $2.2M.
$225K provision for credit losses against $105K.
$1.8M net income against $1.4M.
1.75% return on assets against 1.39%; 3.72% net interest margin against 3.37%.
12.96% CET1 capital ratio against 13.06%; 8.87% tier 1 leverage ratio against 8.66%.
Inside the full Peoples State Bank of Plainview terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples State Bank of Plainview rankings
Its closest position to the top of a national ranking is 696 of 3,606, for efficiency ratio; its furthest is 1,414 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.92% (Q4 2024) to 1.75% (Q2 2026) and its net interest margin ran from 2.79% (Q3 2024) to 3.72% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.96% | 1.75% | 0.95% | 8.86% | 3.72% |
| Q1 2026 | 12.95% | 1.66% | 1.02% | 9.52% | 3.59% |
| Q4 2025 | 13.41% | 1.47% | 0.16% | 1.44% | 3.60% |
| Q3 2025 | 13.24% | 1.54% | 0.18% | 1.72% | 3.48% |
| Q2 2025 | 13.06% | 1.39% | 0.17% | 1.75% | 3.37% |
| Q1 2025 | 12.99% | 1.16% | 0.18% | 1.86% | 3.02% |
| Q4 2024 | 12.93% | 0.92% | 0.14% | 1.55% | 2.94% |
| Q3 2024 | 12.78% | 1.13% | 0.21% | 2.13% | 2.79% |
Swipe the table sideways to see every column.
Branch Network
View all 5 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 of Plainview (main office) | Plainview , MN | 55964 | $189.1M |
| Menomonie Branch | Menomonie , WI | 54751 | $58.5M |
| Altura Br | Altura , MN | 55910 | $56.5M |
| Elgin Branch | Elgin , MN | 55932 | $51.3M |
| Boyceville Branch | Boyceville , WI | 54725 | $38.0M |
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 |
|---|---|---|---|
| July 9, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 9, 2016 | Structure Change | Acquired Altura State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 31, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 31, 2004 | Structure Change | Acquired Red Cedar Bank National Association 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
- <0.1% of deposits in MN, rank 104 of 277 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 271 applications, 223 loans originated, $43.1M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $230K approved, $230K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (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 of Plainview
What are Peoples State Bank of Plainview's total assets?
As of the Q2 2026 filing, Peoples State Bank of Plainview reported total assets of $429.1 million in its FFIEC call report.
Where is Peoples State Bank of Plainview headquartered?
It is headquartered in Plainview, MN, United States.
When was Peoples State Bank of Plainview founded?
It was established in 1925, per the FDIC institution directory.
Is Peoples State Bank of Plainview FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #1100). 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 of Plainview?
Peoples State Bank of Plainview's primary federal regulator is the Federal Reserve.
What is Peoples State Bank of Plainview's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.96% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples State Bank of Plainview operate?
It operates 6 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 of Plainview's Texas Ratio?
Its Texas Ratio is 8.86% 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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