Peoples State Bank of Munising
Munising, MI · Cert 15165 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Peoples State Bcorp Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$190.4MAssets
$110.7MLoans
$142.0MDeposits
$22.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 67% of banks under $1B in assets operating in a single state (rank 251 of 752).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 718 of 748).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.42%
Rank 647 of 752
Net Interest Margin
3.00%
Rank 619 of 752
Efficiency Ratio
85.69%
Rank 673 of 752
Equity / Assets
12.02%
Rank 251 of 752
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 11% 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 | 0.42% | 0.72% | 1.07% | 1.45% | Beats 14% | 647 / 752 | |
| Return on Equity | 3.51% | 6.78% | 10.58% | 13.65% | Beats 12% | 660 / 752 | |
| Net Interest Margin | 3.00% | 3.18% | 3.69% | 4.17% | Beats 18% | 619 / 752 | |
| Efficiency Ratio | 85.69% | 55.75% | 64.49% | 75.47% | Beats 11% | 673 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.39% | 0.09% | 0.42% | 1.03% | Beats 4% | 718 / 748 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 44% | 424 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 12.75% | 11.55% | 13.75% | 17.60% | Beats 39% | 461 / 752 | |
| Total Risk-Based Capital Ratio | 12.75% | 11.70% | 14.33% | 18.47% | Beats 34% | 496 / 752 | |
| Equity / Assets | 12.02% | 8.93% | 10.56% | 13.13% | Beats 67% | 251 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 77.97% | 62.23% | 78.64% | 91.26% | 49th pctl | 384 / 752 | |
| Loans / Assets | 58.17% | 54.61% | 67.41% | 76.47% | 31st pctl | 516 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |