Peoples State Bank of Munising
Munising, MI
IDRSSD: 262956
Total Assets
$182.28M
Latest filing
Total Deposits
$139.23M
Latest filing
Net Interest Margin
3.35%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
091103181MUNISING, MI
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Peoples State Bank of Munising
100 E Superior St
Munising, MI 49862
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/07/1910FDIC Certificate 9532
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples State Bank of Munising (Main) | 100 E Superior St | Munising, MI |
| GRAND MARAIS BRANCH | N14264 Lake Ave | Grand Marais, MI |
| AU TRAIN BRANCH | 7591 Arbutus Street | Au Train, MI |
| WETMORE BRANCH | E9714 State Highway M28 | Wetmore, MI |
| CHATHAM BRANCH | North 5274 Rock Street | Chatham, MI |
Showing 4 of 4
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 | 06/07/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 49862 |
| State and County Number | 26003 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 09 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 34 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 05/29/1935 |
| Primary Insurance Agency | DIF |
| Website | www.psbup.com |
| Data Updated | 01/30/2026 |
| CERT | 15165 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $182.28M |
| Total Deposits | $139.23M |
| Total Liabilities | $159.89M |
| Total Equity Capital | $22.39M |
| Net Income | $534.00k |
| Net Loans and Leases | $104.85M |
| Assets Per Employee ($Millions) | $5.21M |
| Bank Premises and Fixed Assets | $1.94M |
| Cash and Balances due from Depository Institutions | $3.19M |
| Deposits Held in Domestic Offices | $139.23M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 9.59% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 68.09% |
| 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 | 12.284% |
| Earning Assets to total Assets | 91.06% |
Income and Expense
| Total Interest Income | $1.98M |
| Total Noninterest Income | $496.00k |
| Total Interest Expense | $560.00k |
| Total Noninterest Expense | $1.34M |
| Net Interest Income | $1.42M |
| Pre-tax Net Operating Income | $573.00k |
| 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 | $18.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $1.40M |
| All Other Liabilities | $757.00k |
| Total Liabilities and Capital | $182.28M |
Securities
| Securities | $60.88M |
| Available-for-sale debt securities | $60.67M |
| 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 State Bank of Munising?
$182.28M as of the latest filing.
How much are Peoples State Bank of Munising's total deposits?
$139.23M in total deposits.
Where is Peoples State Bank of Munising located?
Munising, MI.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
5.
When was it established?
06/07/1910.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$104.85M (latest filing).
What is the total interest income (latest filing)?
$1.98M.