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Pcsb Bank
Clarinda, IA · FDIC Certificate #14522 · Chartered 01/0
Total assets
$326.08M
Total deposits
$294.01M
Total equity
$30.43M
Net loans
$177.40M
Branches (offices)
7
Net income (YTD)
$1.50M
Rank: #2,352 of 4,213 U.S. banks by assets · #96 of 225 in Iowa. Assets changed 2.4% and deposits 1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 10.20% |
| Net interest margin (YTD) | 2.91% |
| Equity to assets | 9.33% |
| Tier 1 leverage ratio | 11.09% |
| Uninsured deposits (share of deposits) | 18.7% |
| Noncurrent loans (share of loans) | 0.25% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 60.3% |
| Real estate loans (share of loans) | 67.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $119.68M | 67.5% | |
| Commercial & industrial | $17.67M | 10.0% | |
| Consumer / individual | $6.20M | 3.5% | |
| Construction & development | $2.31M | 1.3% | |
| Agricultural | $35.62M | 20.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $319.15M | $299.48M | $1.45M | $19.27M |
| Jun 2023 | $313.45M | $291.80M | $1.00M | $20.75M |
| Jun 2024 | $313.40M | $290.23M | $909.00K | $21.43M |
| Jun 2025 | $318.39M | $291.13M | $1.08M | $25.71M |
| Jun 2026 | $326.08M | $294.01M | $1.50M | $30.43M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $294.01M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $294.01M.
Similar-sized banks
Columbus State Bank ($326.46M) · Elizabethton Federal Savings Bank ($326.01M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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