Peoples Savings Bank
Wellsburg, IA · Cert 14868 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · PSB Corp.
State charter, non-member · FDIC · 1 affiliate bank · 3 branches (5 in holding)
Q2 2026
$189.1MAssets
$143.6MLoans
$142.0MDeposits
$16.5MEquity
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 94% of banks under $1B in assets operating in a single state (rank 699 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.80%
Rank 517 of 746
Net Interest Margin
3.13%
Rank 574 of 746
Efficiency Ratio
73.15%
Rank 531 of 746
Equity / Assets
8.74%
Rank 578 of 746
Non-interest income vs. expense
Unfavorable gap of $4.0M · efficiency ratio beats 29% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 31% | 517 / 746 | |
| Return on Equity | 9.21% | 6.74% | 10.51% | 13.63% | Beats 41% | 441 / 746 | |
| Net Interest Margin | 3.13% | 3.17% | 3.68% | 4.16% | Beats 23% | 574 / 746 | |
| Efficiency Ratio | 73.15% | 55.74% | 64.58% | 75.47% | Beats 29% | 531 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.19% | 0.09% | 0.42% | 1.07% | Beats 22% | 578 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 9.89% | 11.55% | 13.75% | 17.60% | Beats 7% | 697 / 746 | |
| Total Risk-Based Capital Ratio | 9.89% | 11.71% | 14.33% | 18.43% | Beats 6% | 699 / 746 | |
| Equity / Assets | 8.74% | 8.90% | 10.51% | 13.06% | Beats 23% | 578 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 101.18% | 61.31% | 78.27% | 90.78% | 91st pctl | 69 / 746 | |
| Loans / Assets | 75.95% | 53.60% | 66.97% | 76.08% | 74th pctl | 192 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |