Peoples Savings Bank (IA)

Overview / Commentary

www.psbiowa.com

641-393-2301

328 Main Street
Elma, IA 50628

Peoples Savings Bank (IA) is headquartered in Elma and is the 218^th largest bank in the state of Iowa. It is also the 4,487^th largest bank in the nation. It was established in 1927 and as of December of 2018, it had grown to 11 employees at 1 location. Peoples Savings Bank (IA)'s CD rates are 3X the national average, and it has an A health rating.

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Health

Data as of Q4 2018

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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 (IA) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	5818
Year Established	1927
Employees	11
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	2.06%
Return on Equity - YTD	19.51%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$77.3MM$71.9MM
Loans	Q4 2018vs Q4 2017	$69.6MM$65.4MM
Deposits	Q4 2018vs Q4 2017	$59.2MM$55.0MM
Equity Capital	Q4 2018vs Q4 2017	$8.3MM$7.5MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$818.00K$775.00K
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$194.00K$0
Real Estate Owned	Q4 2018vs Q4 2017	$0$0

Rates

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Savings
Checking
CD

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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 (IA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.40%^*	$50k^*	-	Variable Savings Account
OTHER TIERS: 0.10% → $1 - $10k \| 0.25% → $10k - $20k \| 0.30% → $20k - $50k

Peoples Savings Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.63%^*	$1m^*	-	Premium Freedom
OTHER TIERS: 0.50% → Up to $50k \| 1.71% → $50k - $100k \| 2.12% → $100k - $250k \| 2.43% → $250k - $500k \| 2.53% → $500k - $1m
1.70%^*	$50k^*	-	Freedom Account
OTHER TIERS: 0.50% → $5k - $20k \| 1.00% → $20k - $50k
0.25%^*	$50k^*	-	Super Now Account
OTHER TIERS: 0.05% → $1.5k - $10k \| 0.10% → $10k - $20k \| 0.15% → $20k - $50k
0.25%^*	$50k^*	-	Business with Interest
OTHER TIERS: 0.05% → $1.5k - $10k \| 0.10% → $10k - $20k \| 0.15% → $20k - $50k

Peoples Savings Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.75%^*	$10k^*	-	60 Month CD
OTHER TIERS: 2.50% → $1k - $10k
2.55%^*	$10k^*	-	48 Month CD
OTHER TIERS: 2.30% → $1k - $10k
2.50%	$10k	-	60 Month CD One Time Bump-Up Rate
2.40%^*	$10k^*	-	36 Month CD
OTHER TIERS: 2.15% → $1k - $10k
2.35%^*	$10k^*	-	24 Month CD
OTHER TIERS: 2.10% → $1k - $10k
2.35%^*	$10k^*	-	30 Month CD
OTHER TIERS: 2.10% → $1k - $10k
2.25%^*	$10k^*	-	12 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.25%^*	$10k^*	-	18 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.15%	$10k	-	36 Month CD One Time Bump-Up Rate
1.65%^*	$10k^*	-	9 Month CD
OTHER TIERS: 1.40% → $1k - $10k
1.50%^*	$10k^*	-	6 Month CD
OTHER TIERS: 1.25% → $1k - $10k

Locations

Peoples Savings Bank (IA) Locations
Peoples Savings Bank	328 Main Street	Elma, IA 50628

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