PCSB Bank
Clarinda, IA
IDRSSD: 188449
Total Assets
$337.22M
Latest filing
Total Deposits
$306.76M
Latest filing
Net Interest Margin
2.86%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
PCSB Bank
120 E Washington St
Clarinda, IA 51632
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1866FDIC Certificate 9075
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| PCSB Bank (Main) | 120 E Washington St | Clarinda, IA |
| CORNING BRANCH | 527 Davis Ave | Corning, IA |
| LENOX BRANCH | 210 N Main St | Lenox, IA |
| MOUNT AYR BRANCH | 904 E South St | Mount Ayr, IA |
| CRESTON BRANCH | 501 W Taylor St | Creston, IA |
| CONSUMER BRANCH | 1201 S 16th St | Clarinda, IA |
| BEDFORD BRANCH | 808 Pollock Blvd | Bedford, IA |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1866 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 51632 |
| State and County Number | 19145 |
| Subchapter S Corporations | Yes |
| Trust Powers | Trust Powers Grandfathered |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 42 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 06/28/1934 |
| Primary Insurance Agency | DIF |
| Website | www.wearepcsb.com |
| Data Updated | 01/30/2026 |
| CERT | 14522 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $337.22M |
| Total Deposits | $306.76M |
| Total Liabilities | $308.18M |
| Total Equity Capital | $29.04M |
| Net Income | $689.00k |
| Net Loans and Leases | $179.28M |
| Assets Per Employee ($Millions) | $8.03M |
| Bank Premises and Fixed Assets | $5.73M |
| Cash and Balances due from Depository Institutions | $23.94M |
| Deposits Held in Domestic Offices | $306.76M |
Key Performance Ratios
| Return on Assets (ROA) | 0.83% |
| Return on Equity (ROE) | 9.61% |
| Net Interest Margin | 2.86% |
| Efficiency Ratio | 71.37% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.612% |
| Earning Assets to total Assets | 95.26% |
Income and Expense
| Total Interest Income | $3.70M |
| Total Noninterest Income | $253.00k |
| Total Interest Expense | $1.44M |
| Total Noninterest Expense | $1.79M |
| Net Interest Income | $2.26M |
| Pre-tax Net Operating Income | $719.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $250.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $18.09M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.42M |
| Total Liabilities and Capital | $337.22M |
Securities
| Securities | $104.61M |
| Available-for-sale debt securities | $104.61M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of PCSB Bank?
$337.22M as of the latest filing.
How much are PCSB Bank's total deposits?
$306.76M in total deposits.
Where is PCSB Bank located?
Clarinda, IA.
What is the Net Interest Margin?
2.86%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1866.
What is the Return on Assets (ROA)?
0.83%.
How much are total loans and leases?
$179.28M (latest filing).
What is the total interest income (latest filing)?
$3.70M.