Peoples Savings Bank (IA)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.50%	5-year CD	2.25% - National Average
2.25%	1-year CD	2.75% - Goldman Sachs Bank USA High-yield 12 Month CD
0.40%	Savings	2.25% - Goldman Sachs Bank USA High-yield Online Savings Account

View all Peoples Savings Bank (IA) rates »

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 217^th largest bank in the state of Iowa. It is also the 4,526^th largest bank in the nation. It was established in 1927 and as of September 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 Q3 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	2.03%
Return on Equity - YTD	19.25%
Annual Interest Income	$2.8MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$76.7MM$72.3MM
Loans	Q3 2018vs Q3 2017	$69.6MM$65.5MM
Deposits	Q3 2018vs Q3 2017	$54.6MM$53.8MM
Equity Capital	Q3 2018vs Q3 2017	$8.1MM$7.4MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$818.00K$744.00K
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$0$0
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Checking
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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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