Peoples State Bank of Wells
Wells, MN · Cert 8840 · Peer group: banks under $1B in assets in MN (n=113-115)
State charter, non-member · 1 branch
Q1 2026
$59.9MAssets
$39.1MLoans
$54.4MDeposits
$5.3MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in MN (rank 67 of 113).
- Widest gap: efficiency ratio trails 92% of banks under $1B in assets in MN (rank 107 of 115).
- Overall: at or above the peer median on 3 of 10 directional measures.
Return on Assets
0.40%
Rank 106 of 115
Net Interest Margin
3.76%
Rank 63 of 115
Efficiency Ratio
85.45%
Rank 107 of 115
Equity / Assets
8.93%
Rank 79 of 115
Non-interest income vs. expense
Unfavorable gap of $1.9M · efficiency ratio beats 8% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.81% | 1.12% | 1.42% | Beats 8% | 106 / 115 | | |
| Return on Equity | 4.47% | 8.10% | 11.01% | 13.88% | Beats 12% | 101 / 115 | | |
| Net Interest Margin | 3.76% | 3.38% | 3.79% | 4.23% | Beats 45% | 63 / 115 | | |
| Efficiency Ratio | 85.45% | 54.84% | 62.25% | 69.85% | Beats 8% | 107 / 115 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.35% | 0.13% | 0.43% | 1.54% | Beats 58% | 49 / 113 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | n/a | 0.00% | Beats 100% | 67 / 113 | | |
| Capital |
| Tier 1 Capital Ratio | 12.08% | 11.27% | 13.12% | 18.28% | Beats 37% | 72 / 115 | | |
| Total Risk-Based Capital Ratio | 13.28% | 11.98% | 14.15% | 19.19% | Beats 42% | 67 / 115 | | |
| Equity / Assets | 8.93% | 8.33% | 9.94% | 11.95% | Beats 31% | 79 / 115 | | |
| Liquidity & Funding |
| Loans / Deposits | 71.95% | 62.02% | 75.86% | 86.63% | 41st pctl | 67 / 113 | | |
| Loans / Assets | 65.28% | 55.17% | 66.00% | 74.57% | 47th pctl | 61 / 115 | | |
| Brokered Deposits / Deposits | 0.00% | n/a | n/a | 0.83% | Beats 100% | 79 / 113 | | |