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Peoples Savings Bank (14868)

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PSB Preferred Rewards Checking

Overview / Commentary

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641-869-3721

414 North Adams Street
Wellsburg, IA 50680

Peoples Savings Bank (14868) is headquartered in Wellsburg and is the 201^st largest bank in the state of Iowa. It is also the 4,137^th largest bank in the nation. It was established in 1934 and as of June of 2019, it had grown to 23 employees at 3 locations. Peoples Savings Bank (14868)'s money market rates are 2X the national average, and it has a C+ health rating.

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2015

4/15 - Peoples Savings Bank (IA) Celebrates Spring With Competitive 24-Month CD

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Health

C+

Data as of Q2 2019

Learn why bank health matters

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

Overall
FDIC Certificate #	14868
Year Established	1934
Employees	23
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.78%
Return on Equity - YTD	8.47%
Annual Interest Income	$2.2MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$95.5MM$97.0MM
Loans	Q2 2019vs Q2 2018	$67.0MM$69.6MM
Deposits	Q2 2019vs Q2 2018	$75.9MM$77.9MM
Equity Capital	Q2 2019vs Q2 2018	$9.3MM$8.4MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$883.00K$865.00K
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$2.0MM$1.9MM
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Money Market
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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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.90%	-	$3.3k	Individual Retirement Accounts - Single
1.90%	-	$6.5k	Individual Retirement Accounts - Family
1.00%	-	$3.3k	Health Savings Account - Single
1.00%	-	$6.5k	Health 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
3.05%^*	-	$25k	PSB 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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.15%^*	$100k^*	-	60 Month CD
OTHER TIERS: 1.95% → $1k - $10k \| 2.05% → $10k - $100k
2.05%^*	$100k^*	-	48 Month CD
OTHER TIERS: 1.90% → $1k - $10k \| 1.95% → $10k - $100k
1.95%^*	$100k^*	-	36 Month CD
OTHER TIERS: 1.80% → $1k - $10k \| 1.85% → $10k - $100k
1.75%^*	$100k^*	-	24 Month CD
OTHER TIERS: 1.60% → $1k - $10k \| 1.65% → $10k - $100k
1.70%^*	$100k^*	-	18 Month CD
OTHER TIERS: 1.55% → $1k - $10k \| 1.60% → $10k - $100k
1.60%^*	$100k^*	-	12 Month CD
OTHER TIERS: 1.50% → $1k - $100k
1.35%^*	$10k^*	-	182 Day CD
OTHER TIERS: 1.25% → $1k - $10k
0.90%^*	$100k^*	-	30 Month CD
OTHER TIERS: 0.70% → $1k - $10k \| 0.80% → $10k - $100k
0.50%	$1k	-	91 Day CD

Locations

Peoples Savings Bank (14868) Locations
Dike Branch	233 Dike Road	Dike, IA 50624
Peoples Savings Bank	414 North Adams Street	Wellsburg, IA 50680
Cleves Branch	33149 159th Street	Ackley, IA 50601

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