Peoples State Bank (26911)

Overview / Commentary

641-932-7887

102 South Main
Albia, IA 52531

Peoples State Bank (26911) is headquartered in Albia and is the 175^th largest bank in the state of Iowa. It is also the 3,796^th largest bank in the nation. It was established in 1987 and as of March of 2019, it had grown to 30 employees at 2 locations. Peoples State Bank (26911)'s money market 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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Health Grade Components

Overall
FDIC Certificate #	26911
Year Established	1987
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.85%
Return on Equity - YTD	6.39%
Annual Interest Income	$1.2MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$120.5MM$126.1MM
Loans	Q1 2019vs Q1 2018	$71.2MM$69.9MM
Deposits	Q1 2019vs Q1 2018	$100.5MM$106.0MM
Equity Capital	Q1 2019vs Q1 2018	$16.2MM$14.9MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$722.00K$656.00K
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$203.00K$137.00K
Real Estate Owned	Q1 2019vs Q1 2018	$64.00K$130.00K

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Peoples State Bank (26911) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.04%^*	-	$5k	CashBack Savings
OTHER TIERS: 0.25% → $5k+
0.35%^*	$100k^*	-	Statement Savings
OTHER TIERS: 0.25% → Up to $50k \| 0.30% → $50k - $100k
0.35%^*	$100k^*	-	Junior Savings
OTHER TIERS: 0.25% → Up to $50k \| 0.30% → $50k - $100k
0.30%^*	$100k^*	-	Christmas Club Savings
OTHER TIERS: 0.20% → Up to $50k \| 0.25% → $50k - $100k

Peoples State Bank (26911) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
1.36%^*	$1.5m^*	-	Hi-Yield Money Market
OTHER TIERS: 0.50% → $25k - $50k \| 0.60% → $50k - $100k \| 0.75% → $100k - $250k \| 0.90% → $250k - $500k \| 1.00% → $500k - $1m \| 1.16% → $1m - $1.5m
0.50%^*	$25k^*	-	Premium Money Market
OTHER TIERS: 0.30% → $2.5k - $10k \| 0.40% → $10k - $25k

Peoples State Bank (26911) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.51%^*	-	$25k	Green Checking
OTHER TIERS: 0.15% → $25k+
0.25%^*	$100k^*	-	Advantage Club Checking
OTHER TIERS: 0.15% → Up to $50k \| 0.20% → $50k - $100k
0.25%^*	$100k^*	-	Interest Checking
OTHER TIERS: 0.15% → Up to $50k \| 0.20% → $50k - $100k

Peoples State Bank (26911) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.37%^*	$50k^*	$100k	60 Month CD
OTHER TIERS: 2.27% → $1k - $25k \| 2.32% → $25k - $50k
2.22%^*	$50k^*	$100k	48 Month CD
OTHER TIERS: 2.02% → $1k - $25k \| 2.12% → $25k - $50k
2.16%	$10k	-	15 Month CD Special
2.09%^*	$100k^*	-	59 Month CD Special
OTHER TIERS: 1.94% → $10k - $25k \| 1.99% → $25k - $50k \| 2.04% → $50k - $100k
2.09%^*	$100k^*	-	29 Month CD Special
OTHER TIERS: 1.94% → $10k - $25k \| 1.99% → $25k - $50k \| 2.04% → $50k - $100k
2.01%^*	$50k^*	$100k	36 Month CD
OTHER TIERS: 1.86% → $1k - $25k \| 1.91% → $25k - $50k
1.76%^*	$50k^*	$100k	24 Month CD
OTHER TIERS: 1.51% → $1k - $25k \| 1.61% → $25k - $50k
1.56%^*	$50k^*	$100k	18 Month CD
OTHER TIERS: 1.31% → $1k - $25k \| 1.41% → $25k - $50k
1.41%^*	$50k^*	$100k	12 Month CD
OTHER TIERS: 1.26% → $1k - $25k \| 1.36% → $25k - $50k
1.10%^*	$50k^*	$100k	6 Month CD
OTHER TIERS: 0.90% → $1k - $25k \| 1.00% → $25k - $50k
0.65%^*	$50k^*	$100k	3 Month CD
OTHER TIERS: 0.50% → $1k - $25k \| 0.60% → $25k - $50k

Peoples State Bank (26911) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.27%	$500	-	60 Month IRA Variable Rate

Locations

Peoples State Bank (26911) Locations
Peoples State Bank	102 South Main	Albia, IA 52531
Ottumwa - Branch 9	116 West Main Street	Ottumwa, IA 52501

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