PSB Bank
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Data as of · sourced from FFIEC call reports. How we update
PSB Bank is an FDIC-insured commercial bank headquartered in Rhineland, MO, established in 1935 (FDIC certificate 15264), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $854.5M, up 22.3% from Q2 2025, the 45th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 9.37% at Q2 2026, above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 15264
- Headquarters
- Rhineland, MO
- Established
- 1935
- Total assets, Q2 2026
- $854.5M
- Assets vs Q2 2025
- +22.3%
- CET1 ratio, Q2 2026
- 9.37%
- Domestic offices
- 15 FDIC institution directory, current count
- Routing number
- 081508466
- Holding company
- RHINELAND BANCSHARES, INC
- Asset rank in state
- 45th of 191 in Missouri
PSB Bank operates with a thinner capital cushion than most banks of its size. Its balance sheet stood at $854 million at June 30, 2026, up 22.3% from a year earlier; it is based in Rhineland, Missouri. It holds common equity equal to 9.37% of its risk-weighted assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 15.12%). It also grew its loan book 20.2% over the year, 3.7 times the median of 5.5% for banks its size.
Net income for the quarter rose 30% from a year earlier, to $2.7 million. The commercial and industrial book ($69 million) is worsening: 0.84% of it is past due or on nonaccrual, up from 0.19% a year earlier.
As of June 30, 2026, PSB Bank reported a CET1 capital ratio of 9.37%, a return on assets of 1.31%, a nonperforming-loan ratio of 0.29% and a Texas ratio of 2.66%. The figures come from its call report filed with the FFIEC.
Of the 191 banks headquartered in Missouri, PSB Bank is the 45th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 2.9% to $854.5M, loans rose 2.4% and deposits fell 2.2%. 1-4 family residential loans made up 28.0% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 22.4%. Its 15 offices in the FDIC Summary of Deposits are in 15 cities in MO; its Hermann office books 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, PSB Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 101 Bluff St, Rhineland, MO 65069
- 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 8, St. Louis
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- August 12, 1935
- Domestic offices
- 15 FDIC institution directory, current count
- Employees (FTE)
- 125
- Domestic deposits
- $694.1M
- Allowance for credit losses
- $7.1M
- Net charge-offs (YTD)
- -$22K
- Average total assets
- $825.8M
- Average total loans
- $660.8M
- Average interest-bearing deposits
- $567.3M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 21, 1935
- FDIC Cert
- 15264
- Fed RSSD
- 242257
- Website
- www.ourpsb.com →
- Parent Holding Company
- RHINELAND BANCSHARES, INC (RSSD 4902906)
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
PSB Bank's total assets moved between a low of $626.7M (Q3 2023) and a high of $854.5M (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
$854.5M total assets against $698.5M; $783.1M total liabilities against $633.3M.
$664.0M net loans and leases against $552.6M; $694.1M total deposits against $581.3M.
$79.0M securities against $74.7M; $62.2M cash and balances due against $35.4M.
$12.3M total interest income against $9.8M; $3.9M total interest expense against $3.2M.
$8.4M net interest income against $6.5M.
$938K total noninterest income against $758K; $5.9M total noninterest expense against $4.3M.
$186K provision for credit losses against $292K.
$2.7M net income against $2.1M.
1.31% return on assets against 1.22%; 4.30% net interest margin against 4.05%.
9.37% CET1 capital ratio against 11.23%; 8.12% tier 1 leverage ratio against 9.70%.
Inside the full PSB Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePSB Bank rankings
Its closest position to the top of a national ranking is 1,179 of 4,196, for total assets; its furthest is 2,129 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.88% (Q3 2024) to 1.31% (Q2 2026) and its net interest margin ran from 3.47% (Q3 2024) to 4.30% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.37% | 1.31% | 0.29% | 2.66% | 4.30% |
| Q1 2026 | 10.76% | 1.11% | 0.21% | 1.73% | 4.12% |
| Q4 2025 | 10.70% | 1.07% | 0.20% | 1.70% | 4.10% |
| Q3 2025 | 11.42% | 1.26% | 0.27% | 2.20% | 4.03% |
| Q2 2025 | 11.23% | 1.22% | 0.21% | 1.68% | 4.05% |
| Q1 2025 | 11.28% | 1.15% | 0.12% | 0.99% | 3.95% |
| Q4 2024 | 11.15% | 1.20% | 0.20% | 1.67% | 3.66% |
| Q3 2024 | 10.60% | 0.88% | 0.13% | 1.13% | 3.47% |
Swipe the table sideways to see every column.
Branch Network
View all 15 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 |
|---|---|---|---|
| Hermann Branch | Hermann , MO | 65041 | $134.9M |
| New Melle Branch | New Melle , MO | 63365 | $84.6M |
| Montgomery City Branch | Montgomery City , MO | 63361 | $78.0M |
| New Florence Branch | New Florence , MO | 63363 | $52.0M |
| New Haven Branch | New Haven , MO | 63068 | $42.1M |
| Mexico Branch | Mexico , MO | 65265 | $41.2M |
| Troy Branch | Troy , MO | 63379 | $39.9M |
| Kirksville Branch | Kirksville , MO | 63501 | $38.8M |
| Winghaven Branch | Dardenne Prairie , MO | 63368 | $37.6M |
| PSB Bank (main office) | Rhineland , MO | 65069 | $34.2M |
| Bowling Green Branch | Bowling Green , MO | 63334 | $33.8M |
| Green City Branch | Green City , MO | 63545 | $25.7M |
| St. Peters Branch | Saint Peters , MO | 63376 | $21.5M |
| Clarksville Branch | Clarksville , MO | 63336 | $15.6M |
| Milan Branch | Milan , MO | 63556 | $14.2M |
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 11, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 11, 2026 | Structure Change | Acquired Bank Star Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 13, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 13, 2025 | Structure Change | Acquired farmbank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| December 12, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| December 12, 2020 | Structure Change | Acquired CBC 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 6 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in MO, rank 62 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 202 applications, 166 loans originated, $46.2M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $765K approved, $382K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2002 (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 PSB Bank
What are PSB Bank's total assets?
As of the Q2 2026 filing, PSB Bank reported total assets of $854.5 million in its FFIEC call report.
Where is PSB Bank headquartered?
It is headquartered in Rhineland, MO, United States.
When was PSB Bank founded?
It was established in 1935, per the FDIC institution directory.
Is PSB Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #15264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates PSB Bank?
PSB Bank's primary federal regulator is the FDIC.
What is PSB Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.37% in its Q2 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does PSB 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 PSB Bank's Texas Ratio?
Its Texas Ratio is 2.66% 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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