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1905 West Stewart Avenue
Wausau, WI 54401

Peoples State Bank (Wausau, WI) is headquartered in Wausau and is the 26th largest bank in the state of Wisconsin. It is also the 939th largest bank in the nation. It was established in 1962 and as of June of 2014, it had grown to 134 employees at 9 locations. Peoples State Bank (Wausau, WI) has a B+ health rating.

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Reviews (1)

Great Local Bank For Wausau Residents

Used PSB for 10 years. Good people, great rate and treatment when I bought my house years ago. Good checking account deal.


Data for Q2 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 Peoples State Bank (Wausau, WI) had $10.72 million in non-current loans and owned real-estate with $75.72 million in equity and loan loss allowances on hand to cover it. This gives Peoples State Bank (Wausau, WI) a Texas Ratio of 14.16% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Peoples State Bank (Wausau, WI) experienced no significant changes from 10.90% as of June 30, 2013 to 14.16% as of June 30, 2014, resulting in a negative change of 29.91%. This indicates that the balance sheet and financial strength for Peoples State Bank (Wausau, WI) has had no significant changes in recent periods.

Deposit Growth


In the past year, Peoples State Bank (Wausau, WI) has increased its total deposits by $67.19 million, resulting in 12.57% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Peoples State Bank (Wausau, WI) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Peoples State Bank (Wausau, WI) has $725.7 million in assets with $75.72 million in equity, resulting in a capitalization level of 10.43%, which is above average.

Institution Statistics

FDIC Certificate #18569
Year Established1962
Primary RegulatorFDIC
Assets and Liabilities
Assets$725.70 million
Loans$521.82 million
Deposits$601.72 million
Equity Capital$68.79 million
Loan Loss Allowance$6.93 million
Unbacked Noncurrent Loans$9.45 million
Real Estate Owned$1.27 million
Historic Data - June 2013
Assets$693.06 million
Equity Capital$67.29 million
Loan Loss Allowance$7.64 million
Unbacked Noncurrent Loans$9.45 million
Real Estate Owned$1.34 million
Profit Margin - Quarterly
Return on Assets0.86%
Return on Equity9.02%
Interest Income$13.35 million

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Peoples State Bank (Wausau, WI) Locations
Eastside Branch1201 North Sixth StreetWausau, WI 54403
Peoples State Bank1905 West Stewart AvenueWausau, WI 54401
Rib Mountain Branch2904 Rib Mountain DriveWausau, WI 54401
Marathon Branch314 Main StreetMarathon, WI 54448
Weston Branch7205 Stone Ridge DriveWeston, WI 54476
Rhinelander Branch8 East Anderson StreetRhinelander, WI 54501
Eagle River Branch937 East Wall StreetEagle River, WI 54521
Minocqua Branch9560 Highway 70 WestMinocqua, WI 54548