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The Peoples State Bank

Ellettsville, IN
IDRSSD: 454546
Total Assets
$468.57M
Latest filing
Total Deposits
$408.08M
Latest filing
Net Interest Margin
3.50%
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 Date01/01/1904
Community BankYes
Ownership TypeNot Mutual
ZIP47429
State and County Number18105
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 NameBloomington, IN

Operational Info

Number of Employees95
Domestic Offices15
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance03/26/1934
Primary Insurance AgencyDIF
Websitewww.psbanywhere.com
Data Updated11/14/2025
CERT14113
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$468.57M
Total Deposits$408.08M
Total Liabilities$424.38M
Total Equity Capital$44.19M
Net Income$1.59M
Net Loans and Leases$261.20M
Assets Per Employee ($Millions)$4.98M
Bank Premises and Fixed Assets$7.22M
Cash and Balances due from Depository Institutions$14.97M
Deposits Held in Domestic Offices$408.08M

Key Performance Ratios

Return on Assets (ROA)1.36%
Return on Equity (ROE)14.79%
Net Interest Margin3.5%
Efficiency Ratio65.41%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.02%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets9.431%
Earning Assets to total Assets95.49%

Income and Expense

Total Interest Income$6.00M
Total Noninterest Income$749.00k
Total Interest Expense$2.10M
Total Noninterest Expense$3.04M
Net Interest Income$3.90M
Pre-tax Net Operating Income$1.58M
Provision for Credit Losses$24.00k
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$0
Federal Funds Sold & Reverse Repurchase Agreement$480.00k
Federal Funds Purchased and Repurchased Agreement$14.45M
All Other Liabilities$1.85M
Total Liabilities and Capital$468.57M

Securities

Securities$175.50M
Available-for-sale debt securities$126.03M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$49.47M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Peoples State Bank?
$468.57M as of the latest filing.
How much are The Peoples State Bank's total deposits?
$408.08M in total deposits.
Where is The Peoples State Bank located?
Ellettsville, IN.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
15.
When was it established?
01/01/1904.
What is the Return on Assets (ROA)?
1.36%.
How much are total loans and leases?
$261.20M (latest filing).
What is the total interest income (latest filing)?
$6.00M.