Peoples State Bank of Plainview
Plainview, MN · Cert 1100 · Peer group: banks under $1B in assets (n=581-629) · WRZ Bankshares Inc.
State charter, Fed member · FED · 5 branches
Q2 2026
$429.1MAssets
$298.6MLoans
$393.2MDeposits
$28.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks under $1B in assets (rank 42 of 629).
- Widest gap: equity / assets trails 96% of banks under $1B in assets (rank 605 of 629).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.35%
Rank 185 of 629
Net Interest Margin
3.51%
Rank 325 of 629
Efficiency Ratio
52.54%
Rank 91 of 629
Equity / Assets
6.65%
Rank 605 of 629
Non-interest income vs. expense
Unfavorable gap of $6.7M · efficiency ratio beats 86% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.60% | 1.01% | 1.45% | Beats 71% | 185 / 629 | | |
| Return on Equity | 20.24% | 5.38% | 9.30% | 13.28% | Beats 93% | 42 / 629 | | |
| Net Interest Margin | 3.51% | 3.03% | 3.54% | 4.05% | Beats 48% | 325 / 629 | | |
| Efficiency Ratio | 52.54% | 58.35% | 67.79% | 79.08% | Beats 86% | 91 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.95% | 0.09% | 0.46% | 1.20% | Beats 31% | 400 / 581 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 68% | 190 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 12.96% | 11.24% | 13.84% | 18.77% | Beats 43% | 357 / 629 | | |
| Total Risk-Based Capital Ratio | 14.18% | 11.58% | 14.43% | 19.66% | Beats 48% | 329 / 629 | | |
| Equity / Assets | 6.65% | 9.09% | 10.65% | 13.80% | Beats 4% | 605 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 75.93% | 67.24% | 80.90% | 93.48% | 41st pctl | 348 / 594 | | |
| Loans / Assets | 69.58% | 53.31% | 67.71% | 78.15% | 55th pctl | 283 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |