Peoples State Bank (FDIC #12814): Bank Stress & Real-Estate Credit Exposure

Peoples State Bank (FDIC Cert #12814): bank stress 61/100, elevated, STABLE over 7 days; parent PEOPLES BCORP INC.

Peoples State Bank (#12814) lends in 5 counties across 2 states; Peoples State Bank (#12814) reaches 79 ZIP codes: Wisconsin 3 counties, 48 ZIPs; Iowa 2 counties, 31 ZIPs.

Peoples State Bank (#12814) largest markets: Clayton County, IA (48 branches, 24 ZIPs) (#12814), Grant County, WI (192 branches, 24 ZIPs) (#12814), Vernon County, WI (18 branches, 18 ZIPs) (#12814), Crawford County, WI (78 branches, 13 ZIPs) (#12814), Allamakee County, IA (20 branches, 10 ZIPs) (#12814).

Peoples State Bank (#12814) reports $993.0 million in total assets; Peoples State Bank (#12814) equity $100.8 million (10.2% of Peoples State Bank (#12814) assets); Peoples State Bank (#12814) domestic deposits $810.8 million; Peoples State Bank (#12814) net income $7.2 million; Peoples State Bank (#12814) return on assets 1.47%; Peoples State Bank (#12814) return on equity 14.77%; Peoples State Bank (#12814) net interest income $17.1 million; Peoples State Bank (#12814) call report June 30, 2026.

Peoples State Bank (#12814) noncurrent real-estate loans: none reported; Peoples State Bank (#12814) net charge-offs on real estate 0.26%; Peoples State Bank (#12814) residential charge-offs 0.14%.

Peoples State Bank (#12814) net interest margin 3.74% against an eight-quarter Peoples State Bank (#12814) average of 3.27% (Peoples State Bank (#12814) compression -0.47 points); Peoples State Bank (#12814) non-residential real estate 14.2% of equity; Peoples State Bank (#12814) rate-exposure score 40/100, Peoples State Bank (#12814) fixed-rate trap 40/100; Peoples State Bank (#12814) risk type credit driven; Peoples State Bank (#12814) rate regime rates elevated, Peoples State Bank (#12814) snapshot October 20, 2026.

Peoples State Bank (#12814) stress score moved from 61.7 on June 22, 2026 to 60.5 on October 20, 2026; Peoples State Bank (#12814) ranged 60.5 to 61.7 over 117 snapshots.

Peoples State Bank (#12814) alerts: 5 counties; top Peoples State Bank (#12814) alert scores: Mcgregor County, WI 21 (low); Potosi County, WI 21 (low); Viroqua County, WI 21 (low); Waukon County, WI 21 (low); Wauzeka County, WI 21 (low).