Peoples State Bank, The
Ellettsville, IN · Cert 14113 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Ellettsville Bancshares Inc.
State charter, non-member · FDIC · 10 branches
Q2 2026
$506.6MAssets
$277.4MLoans
$444.3MDeposits
$47.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 185 of 743).
- Widest gap: total risk-based capital ratio trails 88% of banks under $1B in assets operating in a single state (rank 656 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.13%
Rank 334 of 746
Net Interest Margin
3.42%
Rank 478 of 746
Efficiency Ratio
64.53%
Rank 372 of 746
Equity / Assets
9.34%
Rank 513 of 746
Non-interest income vs. expense
Unfavorable gap of $10.0M · efficiency ratio beats 50% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.13% | 0.72% | 1.06% | 1.45% | Beats 55% | 334 / 746 | | |
| Return on Equity | 12.06% | 6.74% | 10.51% | 13.63% | Beats 64% | 270 / 746 | | |
| Net Interest Margin | 3.42% | 3.17% | 3.68% | 4.16% | Beats 36% | 478 / 746 | | |
| Efficiency Ratio | 64.53% | 55.74% | 64.58% | 75.47% | Beats 50% | 372 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.19% | 0.09% | 0.42% | 1.07% | Beats 67% | 246 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 10.47% | 11.55% | 13.75% | 17.60% | Beats 13% | 646 / 746 | | |
| Total Risk-Based Capital Ratio | 10.47% | 11.71% | 14.33% | 18.43% | Beats 12% | 656 / 746 | | |
| Equity / Assets | 9.34% | 8.90% | 10.51% | 13.06% | Beats 31% | 513 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.43% | 61.31% | 78.27% | 90.78% | 26th pctl | 551 / 746 | | |
| Loans / Assets | 54.75% | 53.60% | 66.97% | 76.08% | 27th pctl | 548 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |