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Peoples Savings Bank

Wellsburg, IA
IDRSSD: 136048
Total Assets
$187.94M
Latest filing
Total Deposits
$146.71M
Latest filing
Net Interest Margin
3.13%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/01/1934
Community BankYes
Ownership TypeNot Mutual
ZIP50680
State and County Number19075
Subchapter S CorporationsNo
Trust PowersTrust Powers Grandfathered
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictKansas City
Core Based Statistical Area NameWaterloo-Cedar Falls, IA

Operational Info

Number of Employees27
Domestic Offices3
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date06/30/2024
Date of Deposit Insurance10/01/1934
Primary Insurance AgencyDIF
Websitewww.bankpsb.com
Data Updated11/14/2025
CERT14868
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$187.94M
Total Deposits$146.71M
Total Liabilities$172.49M
Total Equity Capital$15.45M
Net Income$397.00k
Net Loans and Leases$143.57M
Assets Per Employee ($Millions)$6.96M
Bank Premises and Fixed Assets$1.09M
Cash and Balances due from Depository Institutions$2.10M
Deposits Held in Domestic Offices$146.71M

Key Performance Ratios

Return on Assets (ROA)0.84%
Return on Equity (ROE)10.59%
Net Interest Margin3.13%
Efficiency Ratio70.91%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.07%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.219%
Earning Assets to total Assets95.39%

Income and Expense

Total Interest Income$2.76M
Total Noninterest Income$464.00k
Total Interest Expense$1.34M
Total Noninterest Expense$1.33M
Net Interest Income$1.41M
Pre-tax Net Operating Income$511.00k
Provision for Credit Losses$35.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$24.07M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$1.71M
Total Liabilities and Capital$187.94M

Securities

Securities$34.13M
Available-for-sale debt securities$34.07M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$0
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of Peoples Savings Bank?
$187.94M as of the latest filing.
How much are Peoples Savings Bank's total deposits?
$146.71M in total deposits.
Where is Peoples Savings Bank located?
Wellsburg, IA.
What is the Net Interest Margin?
3.13%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.84%.
How much are total loans and leases?
$143.57M (latest filing).
What is the total interest income (latest filing)?
$2.76M.