Peoples Savings Bank (IA)

Overview / Commentary

secure.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 4,431^st 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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Health

Data as of Q1 2019

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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	1.72%
Return on Equity - YTD	16.43%
Annual Interest Income	$1.0MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$79.3MM$74.4MM
Loans	Q1 2019vs Q1 2018	$68.9MM$68.4MM
Deposits	Q1 2019vs Q1 2018	$62.5MM$55.5MM
Equity Capital	Q1 2019vs Q1 2018	$8.1MM$7.7MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$819.00K$806.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$92.00K$15.00K
Real Estate Owned	Q1 2019vs Q1 2018	$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: 2.30% → $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

Locations

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

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