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Peoples Savings Bank (14868)

Overview / Commentary
414 North Adams Street
Wellsburg, IA 50680

Peoples Savings Bank (14868) is headquartered in Wellsburg and is the 206th largest bank in the state of Iowa. It is also the 4,193rd largest bank in the nation. It was established in 1934 and as of March of 2019, it had grown to 22 employees at 3 locations. Peoples Savings Bank (14868)'s CD rates are 2X the national average, but it has a C health rating.

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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Peoples Savings Bank (14868) has a relatively low asset base.

Health Grade Components

FDIC Certificate #14868
Year Established1934
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD8.12%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$94.6MM$97.8MM
LoansQ1 2019vs Q1 2018$66.0MM$68.9MM
DepositsQ1 2019vs Q1 2018$75.4MM$78.7MM
Equity CapitalQ1 2019vs Q1 2018$8.9MM$8.4MM
Loan Loss AllowanceQ1 2019vs Q1 2018$865.00K$783.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$2.6MM$1.5MM
Real Estate OwnedQ1 2019vs Q1 2018$0$0
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples Savings Bank (14868) Savings Account Rates

1.90%-$3.3kIndividual Retirement Accounts - Single
1.90%-$6.5kIndividual Retirement Accounts - Family
1.00%-$3.3kHealth Savings Account - Single
1.00%-$6.5kHealth Savings Account - Family
0.99%--Christmas Club Savings
0.40%$50-Regular Savings
0.40%--Treasure Cove Kids Club

Peoples Savings Bank (14868) Money Market Rates

0.90%*$500k*-Hi-Fi Money Market
OTHER TIERS: 0.15% Up to $2.5k | 0.40% $2.5k - $25k | 0.50% $25k - $100k | 0.70% $100k - $300k | 0.85% $300k - $500k

Peoples Savings Bank (14868) Checking Account Rates

3.20%*-$25kPSB Preferred Rewards Checking
OTHER TIERS: 0.35% $25k+
0.30%$750-NOW Account
0.20%$750-Business Premiere Checking

Peoples Savings Bank (14868) CD Rates

3.05%*$100k*-60 Month CD
OTHER TIERS: 2.85% $1k - $10k | 2.95% $10k - $100k
2.90%*$100k*-48 Month CD
OTHER TIERS: 2.70% $1k - $10k | 2.80% $10k - $100k
2.75%*$100k*-36 Month CD
OTHER TIERS: 2.55% $1k - $10k | 2.65% $10k - $100k
2.45%*$100k*-24 Month CD
OTHER TIERS: 2.25% $1k - $10k | 2.35% $10k - $100k
2.25%*$100k*-18 Month CD
OTHER TIERS: 2.05% $500 - $10k | 2.15% $10k - $100k
2.05%*$100k*-12 Month CD
OTHER TIERS: 1.95% $1k - $100k
1.35%$1k-182 Day CD
1.10%*$100k*-30 Month CD
OTHER TIERS: 0.90% $1k - $10k | 1.00% $10k - $100k
0.50%$1k-91 Day CD

Peoples Savings Bank (14868) Locations
Dike Branch233 Dike RoadDike, IA 50624
Peoples Savings Bank414 North Adams StreetWellsburg, IA 50680
Cleves Branch33149 159th StreetAckley, IA 50601

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