Peoples Savings Bank
Indianola, IA · Cert 34973 · Peer group: banks under $1B in assets in the Des Moines-West Des Moines, IA area (n=18-19) · Central South Bcorp Inc.
State charter, non-member · FDIC · 8 branches
Q2 2026
$610.4MAssets
$350.2MLoans
$533.7MDeposits
$43.3MEquity
Executive Summary
- Strongest standing: return on equity outperforms 68% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 6 of 19).
- Widest gap: equity / assets trails 100% of banks under $1B in assets in the Des Moines-West Des Moines, IA area (rank 19 of 19).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.97%
Rank 16 of 19
Net Interest Margin
2.93%
Rank 18 of 19
Efficiency Ratio
63.28%
Rank 14 of 19
Equity / Assets
7.10%
Rank 19 of 19
Non-interest income vs. expense
Unfavorable gap of $11.1M · efficiency ratio beats 32% of banks under $1B in assets in the Des Moines-West Des Moines, IA area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.97% | 1.05% | 1.15% | 1.42% | Beats 16% | 16 / 19 | | |
| Return on Equity | 13.69% | 10.97% | 12.15% | 13.79% | Beats 68% | 6 / 19 | | |
| Net Interest Margin | 2.93% | 3.08% | 3.50% | 3.67% | Beats 5% | 18 / 19 | | |
| Efficiency Ratio | 63.28% | 52.38% | 57.82% | 63.73% | Beats 32% | 14 / 19 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | n/a | 0.21% | 0.91% | Beats 22% | 15 / 18 | | |
| Net Charge-Offs / Loans | 0.03% | 0.00% | 0.01% | 0.01% | Beats 11% | 17 / 18 | | |
| Capital |
| Tier 1 Capital Ratio | 13.67% | 10.79% | 12.38% | 16.13% | Beats 58% | 8 / 19 | | |
| Total Risk-Based Capital Ratio | 14.58% | 11.60% | 13.40% | 17.04% | Beats 58% | 8 / 19 | | |
| Equity / Assets | 7.10% | 8.64% | 9.66% | 11.07% | Beats 0% | 19 / 19 | | |
| Liquidity & Funding |
| Loans / Deposits | 65.62% | 65.91% | 76.09% | 88.00% | 16th pctl | 16 / 19 | | |
| Loans / Assets | 57.37% | 57.37% | 63.36% | 76.16% | 21st pctl | 15 / 19 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |