Pcsb Bank (FDIC #14522): Bank Stress & Real-Estate Credit Exposure

Pcsb Bank (FDIC Cert #14522): bank stress 75/100, severe, STABLE over 7 days; parent WHITMORE CO INC.

Pcsb Bank (#14522) lends in 5 counties across 1 state; Pcsb Bank (#14522) reaches 43 ZIP codes: Iowa 5 counties, 43 ZIPs.

Pcsb Bank (#14522) largest markets: Page County, IA (26 branches, 13 ZIPs) (#14522), Ringgold County, IA (12 branches, 12 ZIPs) (#14522), Taylor County, IA (22 branches, 11 ZIPs) (#14522), Union County, IA (11 branches, 11 ZIPs) (#14522), Adams County, IA (10 branches, 10 ZIPs) (#14522).

Pcsb Bank (#14522) reports $326.1 million in total assets; Pcsb Bank (#14522) equity $30.4 million (9.3% of Pcsb Bank (#14522) assets); Pcsb Bank (#14522) domestic deposits $294.0 million; Pcsb Bank (#14522) net income $1.5 million; Pcsb Bank (#14522) return on assets 0.91%; Pcsb Bank (#14522) return on equity 10.20%; Pcsb Bank (#14522) net interest income $4.6 million; Pcsb Bank (#14522) call report June 30, 2026.

Pcsb Bank (#14522) noncurrent real-estate loans 0.03% of its book; Pcsb Bank (#14522) net charge-offs on real estate 0.34%.

Pcsb Bank (#14522) net interest margin 2.91% against an eight-quarter Pcsb Bank (#14522) average of 2.68% (Pcsb Bank (#14522) compression -0.23 points); Pcsb Bank (#14522) real-estate loans 3.2% of equity; Pcsb Bank (#14522) rate-exposure score 40/100, Pcsb Bank (#14522) fixed-rate trap 40/100; Pcsb Bank (#14522) risk type credit driven; Pcsb Bank (#14522) rate regime rates elevated, Pcsb Bank (#14522) snapshot October 20, 2026.

Pcsb Bank (#14522) stress score moved from 75.8 on June 22, 2026 to 74.8 on October 20, 2026; Pcsb Bank (#14522) ranged 74.8 to 75.8 over 117 snapshots.

Pcsb Bank (#14522) alerts: 5 counties; top Pcsb Bank (#14522) alert scores: Clarinda County, IA 24 (low); Corning County, IA 24 (low); Creston County, IA 24 (low); Lenox County, IA 24 (low); Mount Ayr County, IA 24 (low).