The Peoples State Bank
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Data as of · sourced from FFIEC call reports. How we update
The Peoples State Bank is an FDIC-insured commercial bank headquartered in Ellettsville, IN, established in 1904 (FDIC certificate 14113), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $506.6M, up 9.0% from Q2 2025, the 40th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.47% 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
- 14113
- Headquarters
- Ellettsville, IN
- Established
- 1904
- Total assets, Q2 2026
- $506.6M
- Assets vs Q2 2025
- +9.0%
- Tier 1 leverage ratio, Q2 2026
- 10.47%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 074907414
- Holding company
- ELLETTSVILLE BANCSHARES, INC.
- Asset rank in state
- 40th of 87 in Indiana
Little in The Peoples State Bank's latest call report stands out. Based in Ellettsville, Indiana, it had $507 million in assets at June 30, 2026, up 9.0% from a year earlier. On most measures it sits near the middle of the 2,660 banks with $100 million to $1 billion in assets.
Earnings jumped: net income for the quarter was $2.0 million, 54% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $13 million equal 25% of Tier 1 capital, down from 31% a year earlier.
As of June 30, 2026, The Peoples State Bank reported a return on assets of 1.55%, a nonperforming-loan ratio of 0.19% and a Texas ratio of 1.07%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Peoples State Bank is the 40th largest of the 87 banks headquartered in Indiana. Between Q1 2026 and Q2 2026, its total assets rose 3.9% to $506.6M, loans rose 1.4% and deposits rose 4.3%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.2% of total loans, ahead of non-owner-occupied commercial real estate loans at 19.0%. The FDIC Summary of Deposits lists 10 offices for it, in 7 cities in IN; its Bloomington 4 offices book 34% of its branch deposits. Judged on its Q2 2026 call report, The Peoples State Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 601 E Temperance St, Ellettsville, IN 47429
- County
- Monroe
- Metro Area
- Bloomington, IN
- 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 1, 1904
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 94
- Domestic deposits
- $444.3M
- Allowance for credit losses
- $2.8M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $514.0M
- Average total loans
- $274.8M
- Average interest-bearing deposits
- $348.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- March 26, 1934
- FDIC Cert
- 14113
- Fed RSSD
- 454546
- Website
- www.psbanywhere.com →
- Parent Holding Company
- ELLETTSVILLE BANCSHARES, INC. (RSSD 1206676)
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, The Peoples State Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Peoples State Bank's total assets ran between $447.4M (Q1 2024) and $506.6M (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
$506.6M total assets against $465.0M; $459.3M total liabilities against $423.4M.
$274.6M net loans and leases against $256.1M; $444.3M total deposits against $406.3M.
$189.1M securities against $171.9M; $26.0M cash and balances due against $20.2M.
$6.4M total interest income against $5.8M; $1.9M total interest expense against $2.1M.
$4.5M net interest income against $3.7M.
$1.0M total noninterest income against $774K; $3.5M total noninterest expense against $3.1M.
$50K provision for credit losses against $60K.
$2.0M net income against $1.3M.
1.55% return on assets against 1.09%; 3.71% net interest margin against 3.40%.
10.47% tier 1 leverage ratio against 10.51%.
Inside the full The 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Peoples State Bank rankings
Its closest position to the top of a national ranking is 1,205 of 3,611, for ROA; its furthest is 2,643 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.98% (Q4 2025) to 1.55% (Q2 2026) and its net interest margin ran from 3.15% (Q3 2024) to 3.83% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.47% | 1.55% | 0.19% | 1.07% | 3.71% |
| Q1 2026 | 10.73% | 1.35% | 0.19% | 1.06% | 3.83% |
| Q4 2025 | 10.51% | 0.98% | 0.41% | 2.35% | 3.68% |
| Q3 2025 | 10.66% | 1.33% | 0.41% | 2.33% | 3.52% |
| Q2 2025 | 10.51% | 1.09% | 0.26% | 1.54% | 3.40% |
| Q1 2025 | 10.43% | 0.98% | 0.06% | 0.36% | 3.34% |
| Q4 2024 | 10.08% | 1.04% | 0.09% | 0.58% | 3.25% |
| Q3 2024 | 10.15% | 1.00% | 0.02% | 0.10% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| The Peoples State Bank | Ellettsville , IN | 47429 | $119.1M |
| Spencer Branch | Spencer , IN | 47460 | $71.5M |
| Brown County Branch | Nashville , IN | 47448 | $60.0M |
| North Bloomington Branch | Bloomington , IN | 47404 | $59.5M |
| South Bloomington Branch | Bloomington , IN | 47401 | $35.5M |
| College Mall Branch | Bloomington , IN | 47401 | $31.8M |
| West Bloomington Branch | Bloomington , IN | 47404 | $23.8M |
| Morgantown Branch | Morgantown , IN | 46160 | $18.2M |
| Paragon Branch | Paragon , IN | 46166 | $14.3M |
| Noblesville Branch | Noblesville , IN | 46060 | $10.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in IN, rank 58 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 209 applications, 179 loans originated, $43.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.2M approved, $1.2M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2016 (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 The Peoples State Bank
What are The Peoples State Bank's total assets?
As of the Q2 2026 filing, The Peoples State Bank reported total assets of $506.6 million in its FFIEC call report.
Where is The Peoples State Bank headquartered?
It is headquartered in Ellettsville, IN, United States.
When was The Peoples State Bank founded?
It was established in 1904, per the FDIC institution directory.
Is The Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #14113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples State Bank?
The Peoples State Bank's primary federal regulator is the FDIC.
How many branches does The Peoples State Bank operate?
It operates 15 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples State Bank's Texas Ratio?
Its Texas Ratio is 1.07% 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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