Peoples Trust and Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Peoples Trust and Savings Bank is an FDIC-insured commercial bank headquartered in Boonville, IN, established in 1895 (FDIC certificate 13113), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $240.6M, down 1.4% from Q2 2025, the 68th largest of 87 banks headquartered in Indiana. It reports no CET1 ratio; its Tier 1 leverage ratio was 12.96% 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
- 13113
- Headquarters
- Boonville, IN
- Established
- 1895
- Total assets, Q2 2026
- $240.6M
- Assets vs Q2 2025
- -1.4%
- Tier 1 leverage ratio, Q2 2026
- 12.96%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 081303920
- Latest call report
- Q2 2026, FFIEC 051 · Peoples Trust and Savings Bank call report
- Holding company
- PEOPLES BANCSHARES CORP
- Asset rank in state
- 68th of 87 in Indiana
Problem loans are rising at Peoples Trust and Savings Bank. Its balance sheet stood at $241 million at June 30, 2026, down 1.4% from a year earlier; it is based in Boonville, Indiana. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.09% of loans from 1.14% a year earlier. It earns about $0.33 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 89 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Its margin is thin by comparison: it keeps 2.73 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Peoples Trust and Savings Bank reported a return on assets of 0.33%, a nonperforming-loan ratio of 2.09% and a Texas ratio of 12.48%. The figures come from its call report filed with the FFIEC.
Peoples Trust and Savings Bank ranks as the 68th largest of the 87 banks based in Indiana, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 3.1% to $240.6M, loans rose 0.4% and deposits fell 3.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 78.5% of total loans, ahead of owner-occupied commercial real estate loans at 8.8%. The FDIC Summary of Deposits lists 5 offices for it, in Boonville, IN, Newburgh, IN and Evansville, IN; its Boonville office books 52% of its branch deposits. Judged on its Q2 2026 call report, Peoples Trust and Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 132 S 3rd St, Boonville, IN 47601
- County
- Warrick
- Metro Area
- Evansville, 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 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1895
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 46
- Domestic deposits
- $192.4M
- Allowance for credit losses
- $1.7M
- Net charge-offs (YTD)
- -$1K
- Average total assets
- $244.5M
- Average total loans
- $173.5M
- Average interest-bearing deposits
- $194.1M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13113
- Fed RSSD
- 67142
- Website
- www.peoplestrust.bank →
- Parent Holding Company
- PEOPLES BANCSHARES CORP (RSSD 3199790)
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 Trust and Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Peoples Trust and Savings Bank's total assets moved between a low of $240.6M (Q2 2026) and a high of $275.2M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 6 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$240.6M total assets against $244.0M; $212.9M total liabilities against $216.8M.
$173.9M net loans and leases against $177.9M; $192.4M total deposits against $196.2M.
$44.7M securities against $43.4M; $10.7M cash and balances due against $10.7M.
$2.8M total interest income against $2.8M; $1.2M total interest expense against $1.2M.
$1.6M net interest income against $1.6M.
$188K total noninterest income against $186K; $1.6M total noninterest expense against $1.7M.
$0 provision for credit losses against $449K.
$204K net income against -$373K.
0.33% return on assets against -0.61%; 2.73% net interest margin against 2.67%.
12.96% tier 1 leverage ratio against 12.99%.
Inside the full Peoples Trust and Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples Trust and Savings Bank rankings
Its closest position to the top of a national ranking is 444 of 3,640, for Texas Ratio; its furthest is 3,452 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.61% (Q2 2025) to 0.78% (Q4 2025) and its net interest margin ran from 2.40% (Q1 2025) to 2.73% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.96% | 0.33% | 2.09% | 12.48% | 2.73% |
| Q1 2026 | 12.83% | -0.11% | 2.43% | 14.40% | 2.52% |
| Q4 2025 | 12.82% | 0.78% | 2.38% | 14.20% | 2.63% |
| Q3 2025 | 12.61% | -0.54% | 3.30% | 20.17% | 2.55% |
| Q2 2025 | 12.99% | -0.61% | 1.14% | 7.09% | 2.67% |
| Q1 2025 | 13.19% | -0.18% | 1.18% | 7.55% | 2.40% |
| Q4 2024 | 12.88% | 0.01% | 0.51% | 3.49% | 2.50% |
| Q3 2024 | 13.03% | -0.01% | 0.48% | 3.05% | 2.42% |
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 Trust and Savings Bank (main office) | Boonville , IN | 47601 | $99.8M |
| Paradise Branch | Newburgh , IN | 47630 | $37.7M |
| Newburgh Branch | Newburgh , IN | 47630 | $33.4M |
| Green River Road Branch | Evansville , IN | 47715 | $20.7M |
| Evansville West Branch | Evansville , IN | 47712 | $726K |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in IN, rank 93 of 129 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 56 applications, 40 loans originated, $14.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2017 (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 Trust and Savings Bank
What are Peoples Trust and Savings Bank's total assets?
As of the Q2 2026 filing, Peoples Trust and Savings Bank reported total assets of $240.6 million in its FFIEC call report.
Where is Peoples Trust and Savings Bank headquartered?
It is headquartered in Boonville, IN, United States.
When was Peoples Trust and Savings Bank founded?
It was established in 1895, per the FDIC institution directory.
Is Peoples Trust and Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Trust and Savings Bank?
Peoples Trust and Savings Bank's primary federal regulator is the FDIC.
How many branches does Peoples Trust and Savings Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples Trust and Savings Bank's Texas Ratio?
Its Texas Ratio is 12.48% 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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