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Peoples Savings Bank
Wellsburg, IA · FDIC Certificate #14868 · Chartered 01/0
Total assets
$189.11M
Total deposits
$141.96M
Total equity
$16.52M
Net loans
$142.15M
Branches (offices)
3
Net income (YTD)
$761.00K
Rank: #3,052 of 4,213 U.S. banks by assets · #149 of 225 in Iowa. Assets changed -0.6% and deposits -3.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.81% |
| Return on equity | 9.38% |
| Net interest margin (YTD) | 3.30% |
| Equity to assets | 8.74% |
| Tier 1 leverage ratio | 9.89% |
| Uninsured deposits (share of deposits) | 22.2% |
| Noncurrent loans (share of loans) | 1.19% |
| Net charge-offs (share of loans) | -0.03% |
| Loans to deposits | 100.1% |
| Real estate loans (share of loans) | 57.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $81.00M | 57.0% | |
| Commercial & industrial | $23.30M | 16.4% | |
| Consumer / individual | $4.27M | 3.0% | |
| Construction & development | $1.28M | 0.9% | |
| Agricultural | $34.10M | 24.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $132.30M | $117.07M | $382.00K | $10.09M |
| Jun 2023 | $161.50M | $137.68M | $410.00K | $11.10M |
| Jun 2024 | $173.07M | $135.58M | $406.00K | $13.67M |
| Jun 2025 | $190.18M | $147.10M | $555.00K | $14.54M |
| Jun 2026 | $189.11M | $141.96M | $761.00K | $16.52M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $141.96M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $141.96M.
Similar-sized banks
The Peoples Savings Bank ($189.32M) · First Federal Savings And Loan Association Of Bath ($189.10M)
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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