The Peoples State Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
The Peoples State Bank is a locally rooted FDIC-insured community bank based in Ellettsville, IN. Returns are notably above industry norms: 1.55% ROA, 17.05% ROE, and 3.71% NIM. The Peoples State's Q2 2026 balance sheet shows $507M in assets funded primarily by $444M in customer deposits. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.47% exceeds the CBLR threshold. Asset quality is pristine, 0.19% NPLs and a 1.07% Texas Ratio. The Peoples State operates a 15-branch network.
As of June 30, 2026, The Peoples State Bank reported a Tier 1 leverage ratio of 10.47%, a return on assets of 1.55%, a nonperforming-loan ratio of 0.19%, a Texas ratio of 1.07%, per financial data filed with the FFIEC.
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
- Offices
- 15 domestic
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full The Peoples State Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock The Peoples State 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| 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
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 10 branches →
| 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
What the public regulatory sources show for The Peoples State Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in IN, rank 58 of 131 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows The Peoples State Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare The Peoples State Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is The Peoples State Bank headquartered?
The Peoples State Bank is headquartered in Ellettsville, IN, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was The Peoples State Bank founded?
The Peoples State Bank was established in 1904, per the FDIC institution directory.
Is The Peoples State Bank FDIC-insured?
Yes. The Peoples State Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does The Peoples State Bank operate?
The Peoples State Bank 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?
The Peoples State Bank's Texas Ratio is 1.07% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on The Peoples State Bank.
Unlock the full terminal: 26 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock The Peoples State Bank, freeFree account