Peoples State Bank of Munising
Munising, MI · Cert 15165 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 243 of 746).
- Widest gap: nonperforming loans / loans trails 96% of banks under $1B in assets operating in a single state (rank 712 of 743).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.42%
Rank 642 of 746
Net Interest Margin
3.00%
Rank 613 of 746
Efficiency Ratio
85.69%
Rank 670 of 746
Equity / Assets
12.02%
Rank 243 of 746
Non-interest income vs. expense
Unfavorable gap of $4.7M · efficiency ratio beats 10% 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% | 1.06% | 1.45% | Beats 14% | 642 / 746 | |
| Return on Equity | 3.51% | 6.74% | 10.51% | 13.63% | Beats 12% | 655 / 746 | |
| Net Interest Margin | 3.00% | 3.17% | 3.68% | 4.16% | Beats 18% | 613 / 746 | |
| Efficiency Ratio | 85.69% | 55.74% | 64.58% | 75.47% | Beats 10% | 670 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.39% | 0.09% | 0.42% | 1.07% | Beats 4% | 712 / 743 | |
| Net Charge-Offs / Loans | 0.02% | 0.00% | 0.01% | 0.05% | Beats 42% | 430 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 12.75% | 11.55% | 13.75% | 17.60% | Beats 39% | 458 / 746 | |
| Total Risk-Based Capital Ratio | 12.75% | 11.71% | 14.33% | 18.43% | Beats 34% | 492 / 746 | |
| Equity / Assets | 12.02% | 8.90% | 10.51% | 13.06% | Beats 67% | 243 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 77.97% | 61.31% | 78.27% | 90.78% | 50th pctl | 375 / 746 | |
| Loans / Assets | 58.17% | 53.60% | 66.97% | 76.08% | 33rd pctl | 502 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |