People's State Bank (WI)

People's State Bank (WI) Locations
1905 Stewart Avenue
Wausau, WI 54401
888.929.9902
www.psbwi.com

People's State Bank (WI) is headquartered in Wausau and is the 29th largest bank in the state of Wisconsin. It is also the 1,102nd largest bank in the nation. It was established in 1962 and as of March of 2012, it had grown to 126 employees at 8 locations. People's State Bank (WI) has a 4-star health rating.

Related Posts

4.50% 36-Month / 4.05% 25-Month CD at a Michigan Bank (Peoples State) - 6/17/2008

Peoples State Bank is offering some attractive CD specials. These include a 4.50% APY CD with terms of 36 to 40 months, a 4.05% APY CD with terms of 25 to 30 months, and a 3.50% APY for terms of 13 to 15 months. The minimum deposit amount is $5,000 with...

3.01% Reward Checking Account at a Wisconsin Bank (People's State) - 5/4/2008

Update 10/15/09: The top yield has fallen to 3.01% APY. Refer to the bottom of the post for the rate history.People's State Bank is offering a rewards checking account that pays 3.01% APY on balances up to $25,000 (0.50% for above) and refunds ATM fees...

4.10% Reward Checking Account at an Illinois Bank (Peoples State) - 7/12/2007

Update 01/02/09: The yield has fallen to 4.10% APY. Refer to the bottom of the post for the rate history.Peoples State Bank has started a reward checking that pays 4.10% APY for balances under $20K and refunds ATM fees when the typical monthly reward...


Data for Q1 2012


Institution Statistics


Peoples State Bank
FDIC Certificate #18569
BankRate ReportView
Year Established1962
Employees126
Primary RegulatorFDIC

Assets and Liabilities

Assets$605.83 million
Loans$436.33 million
Deposits$468.15 million
Equity Capital$63.83 million
Loan Loss Allowance$7.76 million
Unbacked Noncurrent Loans$7.59 million
Real Estate Owned$3.10 million

Historic Data - March 2011

Assets$599.21 million
Equity Capital$60.85 million
Loan Loss Allowance$7.38 million
Unbacked Noncurrent Loans$7.15 million
Real Estate Owned$4.83 million

Profit Margin - Quarterly

Net Interest Margin3.65%
Return on Assets0.95%
Return on Equity9.25%
Interest Income$6.83 million

Institution Health


Overall Score:
4 out of 5
4
Texas Ratio4
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 People's State Bank (WI) had $10.69 million in non-current loans and owned real-estate with $71.58 million in equity and loan loss allowances on hand to cover it. This gives People's State Bank (WI) a Texas Ratio of 14.93% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend3
The Texas Ratio for People's State Bank (WI) held steady from 17.44% as of March 31, 2011 to 14.93% as of March 31, 2012, resulting in a positive change of 14.39%.This indicates that the balance sheet and financial strength for People's State Bank (WI) has held steady in recent periods.
Deposit Growth5
In the past year, People's State Bank (WI) has increased its total deposits by $22.64 million, resulting in 5.08% 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 People's State Bank (WI) has shown is excellent.
Capitalization4
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. People's State Bank (WI) has $605.83 million in assets with $71.58 million in equity, resulting in a capitalization level of 11.82%, which is above average.
Write Review

No reviews have been left for this bank yet. Be the first to review.


 
Featured Accounts
Nationwide Savings Accounts