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Overview / Commentary
386-754-0002
350 Sw Main Boulevard
Lake City, FL 32025

Peoples State Bank (FL) is headquartered in Lake City and is the 135th largest bank in the state of Florida. It is also the 4,633rd largest bank in the nation. It was established in 1999 and as of March of 2017, it had grown to 28 employees at 2 locations. Peoples State Bank (FL) has a B+ health rating.

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Health
B+
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 State Bank (FL) has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #34702
Year Established1999
Employees28
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.62%
Return on Equity - YTD6.95%
Annual Interest Income$797.00K
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$84.2MM$77.9MM
LoansQ1 2017vs Q1 2016$59.1MM$52.7MM
DepositsQ1 2017vs Q1 2016$76.2MM$70.6MM
Equity CapitalQ1 2017vs Q1 2016$7.3MM$7.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$903.00K$1.0MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$369.00K$559.00K
Real Estate OwnedQ1 2017vs Q1 2016$276.00K$424.00K
Rates
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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 (FL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.10%$100-Regular Savings

Peoples State Bank (FL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Money Market Checking
OTHER TIERS: 0.10% Up to $5k | 0.15% $5k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k

Peoples State Bank (FL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$250k*-Peoples Checking
OTHER TIERS: 0.10% Up to $5k | 0.20% $5k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k
0.10%--NOW Checking
0.10%$100-Horizon Club Checking

Peoples State Bank (FL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.21%$2k-60 Month Relationship CD
1.06%$2k-48 Month Relationship CD
0.80%$2k-36 Month Relationship CD
0.55%$2k-24 Month Relationship CD
0.50%$2k-18 Month Relationship CD
0.45%$2k-12 Month Relationship CD
0.25%$2k-6 Month Relationship CD
0.15%$2k-3 Month Relationship CD
Locations


Peoples State Bank (FL) Locations
Peoples State Bank350 Sw Main BoulevardLake City, FL 32025
West Office Branch3882 West US Highway 90Lake City, FL 32055