Peoples Savings Bank
Wellsburg, IA · Cert 14868 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · 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 182 of 748).
- Widest gap: total risk-based capital ratio trails 94% of banks under $1B in assets operating in a single state (rank 705 of 752).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.80%
Rank 524 of 752
Net Interest Margin
3.13%
Rank 580 of 752
Efficiency Ratio
73.15%
Rank 536 of 752
Equity / Assets
8.74%
Rank 584 of 752
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.07% | 1.45% | Beats 30% | 524 / 752 | | |
| Return on Equity | 9.21% | 6.78% | 10.58% | 13.65% | Beats 41% | 444 / 752 | | |
| Net Interest Margin | 3.13% | 3.18% | 3.69% | 4.17% | Beats 23% | 580 / 752 | | |
| Efficiency Ratio | 73.15% | 55.75% | 64.49% | 75.47% | Beats 29% | 536 / 752 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.19% | 0.09% | 0.42% | 1.03% | Beats 22% | 586 / 748 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 182 / 748 | | |
| Capital |
| Tier 1 Capital Ratio | 9.89% | 11.55% | 13.75% | 17.60% | Beats 7% | 703 / 752 | | |
| Total Risk-Based Capital Ratio | 9.89% | 11.70% | 14.33% | 18.47% | Beats 6% | 705 / 752 | | |
| Equity / Assets | 8.74% | 8.93% | 10.56% | 13.13% | Beats 22% | 584 / 752 | | |
| Liquidity & Funding |
| Loans / Deposits | 101.18% | 62.23% | 78.64% | 91.26% | 90th pctl | 72 / 752 | | |
| Loans / Assets | 75.95% | 54.61% | 67.41% | 76.47% | 73rd pctl | 201 / 752 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |