Overview / Commentary
350 Sw Main Boulevard
Lake City, FL 32025

Peoples State Bank (FL) is headquartered in Lake City and is the 111th largest bank in the state of Florida. It is also the 4,406th largest bank in the nation. It was established in 1999 and as of June of 2018, it had grown to 32 employees at 2 locations. Peoples State Bank (FL)'s money market rates are 14% higher than the national average, and it has a B+ 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 State Bank (FL) has a relatively low asset base.

Health Grade Components

FDIC Certificate #34702
Year Established1999
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.44%
Return on Equity - YTD4.98%
Annual Interest Income$1.8MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$86.9MM$83.6MM
LoansQ2 2018vs Q2 2017$73.2MM$58.4MM
DepositsQ2 2018vs Q2 2017$76.2MM$75.3MM
Equity CapitalQ2 2018vs Q2 2017$7.5MM$7.4MM
Loan Loss AllowanceQ2 2018vs Q2 2017$805.00K$811.00K
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$591.00K$484.00K
Real Estate OwnedQ2 2018vs Q2 2017$75.00K$276.00K
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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

0.10%$50-Regular Savings
0.10%$50-Minor Savings

Peoples State Bank (FL) Money Market Rates

0.50%*$250k*-Money Market Checking
OTHER TIERS: 0.10% $1 - $5k | 0.15% $5k - $25k | 0.20% $25k - $50k | 0.30% $50k - $100k | 0.40% $100k - $250k

Peoples State Bank (FL) Checking Account Rates

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%$50-Horizon Club Checking

Peoples State Bank (FL) CD Rates

2.15%$2k-24 Month Rate Riser Relationship CD
1.46%$2k-60 Month Relationship CD
1.31%$2k-48 Month Relationship CD
1.06%$2k-36 Month Relationship CD
0.95%$2k-24 Month Relationship CD
0.80%$2k-18 Month Relationship CD
0.75%$2k-12 Month Relationship CD
0.55%$2k-6 Month Relationship CD
0.30%$2k-3 Month Relationship CD

Peoples State Bank (FL) IRA Rates

1.46%$2k-60 Month Relationship IRA
1.31%$2k-48 Month Relationship IRA
1.06%$2k-36 Month Relationship IRA
0.95%$2k-24 Month Relationship IRA
0.80%$2k-18 Month Relationship IRA
0.75%$2k-12 Month Relationship IRA
0.55%$2k-6 Month Relationship IRA
0.30%$2k-3 Month Relationship IRA

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

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