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Peoples State Bank of Munising

Munising, MI
IDRSSD: 262956
Total Assets
$194.02M
Latest filing
Total Deposits
$152.46M
Latest filing
Net Interest Margin
3.56%
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 Date06/07/1910
Community BankYes
Ownership TypeNot Mutual
ZIP49862
State and County Number26003
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number09
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 Employees35
Domestic Offices5
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance05/29/1935
Primary Insurance AgencyDIF
Websitewww.psbup.com
Data Updated11/14/2025
CERT15165
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$194.02M
Total Deposits$152.46M
Total Liabilities$171.88M
Total Equity Capital$22.14M
Net Income$330.00k
Net Loans and Leases$111.84M
Assets Per Employee ($Millions)$5.71M
Bank Premises and Fixed Assets$1.74M
Cash and Balances due from Depository Institutions$6.63M
Deposits Held in Domestic Offices$152.46M

Key Performance Ratios

Return on Assets (ROA)0.67%
Return on Equity (ROE)6.1%
Net Interest Margin3.56%
Efficiency Ratio70.81%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets11.412%
Earning Assets to total Assets89.6%

Income and Expense

Total Interest Income$2.18M
Total Noninterest Income$247.00k
Total Interest Expense$619.00k
Total Noninterest Expense$1.32M
Net Interest Income$1.56M
Pre-tax Net Operating Income$490.00k
Provision for Credit Losses$0
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$18.50M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$921.00k
Total Liabilities and Capital$194.02M

Securities

Securities$61.81M
Available-for-sale debt securities$61.60M
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 of Munising?
$194.02M as of the latest filing.
How much are Peoples State Bank of Munising's total deposits?
$152.46M in total deposits.
Where is Peoples State Bank of Munising located?
Munising, MI.
What is the Net Interest Margin?
3.56%.
How many domestic offices does it operate?
5.
When was it established?
06/07/1910.
What is the Return on Assets (ROA)?
0.67%.
How much are total loans and leases?
$111.84M (latest filing).
What is the total interest income (latest filing)?
$2.18M.