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Peoples Savings Bank (IA)

Overview / Commentary
328 Main Street
Elma, IA 50628

Peoples Savings Bank (IA) is headquartered in Elma and is the 217th largest bank in the state of Iowa. It is also the 4,431st largest bank in the nation. It was established in 1927 and as of March of 2019, 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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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

FDIC Certificate #5818
Year Established1927
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.72%
Return on Equity - YTD16.43%
Annual Interest Income$1.0MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$79.3MM$74.4MM
LoansQ1 2019vs Q1 2018$68.9MM$68.4MM
DepositsQ1 2019vs Q1 2018$62.5MM$55.5MM
Equity CapitalQ1 2019vs Q1 2018$8.1MM$7.7MM
Loan Loss AllowanceQ1 2019vs Q1 2018$819.00K$806.00K
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$92.00K$15.00K
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 (IA) Savings Account Rates

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

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

2.75%*$10k*-60 Month CD
OTHER TIERS: 2.30% $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

Peoples Savings Bank (IA) Locations
Peoples Savings Bank328 Main StreetElma, IA 50628

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