Peoples Savings Bank (FDIC #34973): Bank Stress & Real-Estate Credit Exposure
Peoples Savings Bank (FDIC Cert #34973): bank stress 81/100, severe, STABLE over 7 days; parent CENTRAL SOUTH BCORP INC.
Peoples Savings Bank (#34973) lends in 4 counties across 1 state; Peoples Savings Bank (#34973) reaches 51 ZIP codes: Iowa 4 counties, 51 ZIPs.
Peoples Savings Bank (#34973) largest markets: Warren County, IA (84 branches, 21 ZIPs) (#34973), Marion County, IA (38 branches, 19 ZIPs) (#34973), Wayne County, IA (13 branches, 13 ZIPs) (#34973), Lucas County, IA (9 branches, 9 ZIPs) (#34973).
Peoples Savings Bank (#34973) reports $610.4 million in total assets; Peoples Savings Bank (#34973) equity $43.3 million (7.1% of Peoples Savings Bank (#34973) assets); Peoples Savings Bank (#34973) domestic deposits $533.7 million; Peoples Savings Bank (#34973) net income $3.0 million; Peoples Savings Bank (#34973) return on assets 0.97%; Peoples Savings Bank (#34973) return on equity 14.47%; Peoples Savings Bank (#34973) net interest income $9.6 million; Peoples Savings Bank (#34973) call report June 30, 2026.
Peoples Savings Bank (#34973) noncurrent real-estate loans: none reported; Peoples Savings Bank (#34973) net charge-offs on real estate 1.63%.
Peoples Savings Bank (#34973) net interest margin 3.38% against an eight-quarter Peoples Savings Bank (#34973) average of 3.17% (Peoples Savings Bank (#34973) compression -0.21 points); Peoples Savings Bank (#34973) rate-exposure score 40/100, Peoples Savings Bank (#34973) fixed-rate trap 40/100; Peoples Savings Bank (#34973) risk type credit driven; Peoples Savings Bank (#34973) rate regime rates elevated, Peoples Savings Bank (#34973) snapshot October 19, 2026.
Peoples Savings Bank (#34973) stress score moved from 83.4 on June 22, 2026 to 81.4 on October 19, 2026; Peoples Savings Bank (#34973) ranged 81.4 to 83.4 over 116 snapshots.
Peoples Savings Bank (#34973) alerts: 4 counties; top Peoples Savings Bank (#34973) alert scores: Chariton County, IA 27 (low); Milo County, IA 27 (low); Pleasantville County, IA 27 (low); Seymour County, IA 27 (low).