Peoples State Bank (FDIC #14113): Bank Stress & Real-Estate Credit Exposure

Peoples State Bank (FDIC Cert #14113): bank stress 63/100, elevated, STABLE over 7 days; parent ELLETTSVILLE BANCSHARES INC.

Peoples State Bank (#14113) lends in 5 counties across 1 state; Peoples State Bank (#14113) reaches 68 ZIP codes: Indiana 5 counties, 68 ZIPs.

Peoples State Bank (#14113) largest markets: Hamilton County, IN (23 branches, 23 ZIPs) (#14113), Monroe County, IN (95 branches, 19 ZIPs) (#14113), Morgan County, IN (28 branches, 14 ZIPs) (#14113), Owen County, IN (14 branches, 14 ZIPs) (#14113), Brown County, IN (10 branches, 10 ZIPs) (#14113).

Peoples State Bank (#14113) reports $506.6 million in total assets; Peoples State Bank (#14113) equity $47.3 million (9.3% of Peoples State Bank (#14113) assets); Peoples State Bank (#14113) domestic deposits $444.3 million; Peoples State Bank (#14113) net income $3.6 million; Peoples State Bank (#14113) return on assets 1.48%; Peoples State Bank (#14113) return on equity 15.72%; Peoples State Bank (#14113) net interest income $8.8 million; Peoples State Bank (#14113) call report June 30, 2026.

Peoples State Bank (#14113) noncurrent real-estate loans: none reported; Peoples State Bank (#14113) net charge-offs on real estate 0.22%; Peoples State Bank (#14113) residential charge-offs 0.49%.

Peoples State Bank (#14113) net interest margin 3.73% against an eight-quarter Peoples State Bank (#14113) average of 3.40% (Peoples State Bank (#14113) compression -0.33 points); Peoples State Bank (#14113) non-residential real estate 48.8% of equity; Peoples State Bank (#14113) rate-exposure score 40/100, Peoples State Bank (#14113) fixed-rate trap 40/100; Peoples State Bank (#14113) risk type credit driven; Peoples State Bank (#14113) rate regime rates elevated, Peoples State Bank (#14113) snapshot October 19, 2026.

Peoples State Bank (#14113) stress score moved from 64 on June 22, 2026 to 63.3 on October 19, 2026; Peoples State Bank (#14113) ranged 63.3 to 64 over 116 snapshots.

Peoples State Bank (#14113) alerts: 5 counties; top Peoples State Bank (#14113) alert scores: Spencer County, IN 33 (low); Ellettsville County, IN 22 (low); Nashville County, IN 22 (low); Noblesville County, IN 22 (low); Paragon County, IN 22 (low).