PSB Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
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%, according to its call report filed with the FFIEC.
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
- Offices
- 18 domestic
- 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
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. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
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.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
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 PSB Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock PSB Bank, freePSB 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.
| 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
Every branch from the FDIC Summary of Deposits, 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 15 branches →
| 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
What the public regulatory sources show for PSB 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 MO, rank 62 of 253 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).
- 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.
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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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is PSB Bank headquartered?
PSB Bank is headquartered in Rhineland, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was PSB Bank founded?
PSB Bank was established in 1935, per the FDIC institution directory.
Is PSB Bank FDIC-insured?
Yes. PSB Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is PSB Bank's CET1 capital ratio?
PSB Bank 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?
PSB Bank operates 18 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?
PSB Bank's Texas Ratio is 2.66% 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.
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