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Peoples State Bank

Prairie Du Chien, WI
IDRSSD: 262844
Total Assets
$934.63M
Latest filing
Total Deposits
$778.31M
Latest filing
Net Interest Margin
3.53%
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 Date01/22/1915
Community BankYes
Ownership TypeNot Mutual
ZIP53821
State and County Number55023
Subchapter S CorporationsYes
Trust PowersFull Trust Powers Granted
Federal Reserve ID Number07
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees151
Domestic Offices19
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date02/22/2024
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitehttp://www.peoplesfinancial.com
Data Updated11/14/2025
CERT12814
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$934.63M
Total Deposits$778.31M
Total Liabilities$844.51M
Total Equity Capital$90.13M
Net Income$2.87M
Net Loans and Leases$575.08M
Assets Per Employee ($Millions)$6.27M
Bank Premises and Fixed Assets$10.71M
Cash and Balances due from Depository Institutions$19.60M
Deposits Held in Domestic Offices$778.31M

Key Performance Ratios

Return on Assets (ROA)1.24%
Return on Equity (ROE)13.16%
Net Interest Margin3.53%
Efficiency Ratio62.26%
Tier 1 Risk-Based Capital Ratio16.368%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.03%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.643%
Earning Assets to total Assets93.42%

Income and Expense

Total Interest Income$10.98M
Total Noninterest Income$911.00k
Total Interest Expense$3.29M
Total Noninterest Expense$5.41M
Net Interest Income$7.69M
Pre-tax Net Operating Income$3.13M
Provision for Credit Losses$60.00k
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$59.50M
Federal Funds Sold & Reverse Repurchase Agreement$4.42M
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$6.70M
Total Liabilities and Capital$934.63M

Securities

Securities$286.61M
Available-for-sale debt securities$286.44M
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 State Bank?
$934.63M as of the latest filing.
How much are Peoples State Bank's total deposits?
$778.31M in total deposits.
Where is Peoples State Bank located?
Prairie Du Chien, WI.
What is the Net Interest Margin?
3.53%.
How many domestic offices does it operate?
19.
When was it established?
01/22/1915.
What is the Return on Assets (ROA)?
1.24%.
How much are total loans and leases?
$575.08M (latest filing).
What is the total interest income (latest filing)?
$10.98M.