Peoples Savings Bank
Wellsburg, IA
IDRSSD: 136048
Total Assets
$190.31M
Latest filing
Total Deposits
$149.89M
Latest filing
Net Interest Margin
3.00%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073920531WELLSBURG, IA
Key People
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Locations
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Main Office
Peoples Savings Bank
414 N Adams St
Wellsburg, IA 50680
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1934FDIC Certificate 9307
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples Savings Bank (Main) | 414 N Adams St | Wellsburg, IA |
| CLEVES BRANCH | 33149 159th Street | Ackley, IA |
| DIKE BRANCH | 233 W Dike Rd | Dike, IA |
Showing 2 of 2
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 | 01/01/1934 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 50680 |
| State and County Number | 19075 |
| Subchapter S Corporations | No |
| 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 | Waterloo-Cedar Falls, IA |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 3 |
| 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 | 10/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankpsb.com |
| Data Updated | 01/30/2026 |
| CERT | 14868 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $190.31M |
| Total Deposits | $149.89M |
| Total Liabilities | $174.35M |
| Total Equity Capital | $15.96M |
| Net Income | $373.00k |
| Net Loans and Leases | $139.70M |
| Assets Per Employee ($Millions) | $7.05M |
| Bank Premises and Fixed Assets | $1.19M |
| Cash and Balances due from Depository Institutions | $8.11M |
| Deposits Held in Domestic Offices | $149.89M |
Key Performance Ratios
| Return on Assets (ROA) | 0.79% |
| Return on Equity (ROE) | 9.5% |
| Net Interest Margin | 3% |
| Efficiency Ratio | 73.39% |
| 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 | 8.385% |
| Earning Assets to total Assets | 95.63% |
Income and Expense
| Total Interest Income | $2.66M |
| Total Noninterest Income | $397.00k |
| Total Interest Expense | $1.31M |
| Total Noninterest Expense | $1.28M |
| Net Interest Income | $1.35M |
| Pre-tax Net Operating Income | $466.00k |
| 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 | $0 |
| Other borrowed funds | $22.57M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.89M |
| Total Liabilities and Capital | $190.31M |
Securities
| Securities | $34.82M |
| Available-for-sale debt securities | $34.76M |
| 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 Peoples Savings Bank?
$190.31M as of the latest filing.
How much are Peoples Savings Bank's total deposits?
$149.89M in total deposits.
Where is Peoples Savings Bank located?
Wellsburg, IA.
What is the Net Interest Margin?
3.00%.
How many domestic offices does it operate?
3.
When was it established?
01/01/1934.
What is the Return on Assets (ROA)?
0.79%.
How much are total loans and leases?
$139.70M (latest filing).
What is the total interest income (latest filing)?
$2.66M.