# PEOPLES STATE BANK
WINFIELD, IA · FDIC certificate 13992 · asset band <$300M · latest filing 2016-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 4 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $28.0M | |
| Deposits | $25.0M | |
| Loans and leases | $11.7M | |
| Total equity | $3.0M | |
| Loans / deposits | 46.63% (p13 of band) | 75.30% |
| Liquid assets / assets | 55.97% (p87 of band) | |
| Uninsured deposits / deposits | 10.68% (p33 of band) | 14.23% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p18 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.54% (p27 of band) | 10.87% |
| Unrealized securities loss / equity | 7.65% (p91 of band) | 1.65% |
| AOCI / equity | 4.10% (p93 of band) | |
| ROA (annualized) | 0.24% (p11 of band) | 0.88% |
| Net interest margin | 3.07% (p20 of band) | 3.67% |
| Efficiency ratio | 95.18% (p92 of band) | |
| Noncurrent loans | 0.74% (p52 of band) | 0.69% |
| Net charge-offs (annualized) | 0.24% (p90 of band) | |
| Reserve coverage of noncurrent | 91.95% | |
| Real estate % of loans | 67% | |
| Construction % of loans | 6.36% (p32 of band) | |
| Auto loans | $1.6M (14.00% of loans; DQ 7.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 5 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | uninsured deposits leaving |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent, uninsured deposits leaving |
| 2013-06 | 3 | AOCI drag >20% of equity, reserve under noncurrent |  |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 2 |  |  |
| 2014-03 | 2 | noncurrent p90 | AOCI drag >20% of equity |
| 2014-06 | 1 |  | noncurrent p90 |
| 2014-09 | 2 | noncurrent p90 |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 3 | expense ratio p90 |  |
| 2015-06 | 3 |  |  |
| 2015-09 | 3 |  |  |
| 2015-12 | 1 |  | noncurrent p90, expense ratio p90 |
| 2016-03 | 1 |  |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 4 | capital falling, expense ratio p90, charge-offs p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-04-16 [Peoples State Bank breaks ground on new location along Rossville Road in Waukon ... - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMiwgFBVV95cUxORjQyQjM0bzJvejdianAwWnBTSk80Tnk5cUxWSXZGUTFjTGZ1MDRrdVdYQ2MxSlRJWEhiTHJDVURiVVNLSUZUVk0yWEpyRTUyNW1PY2ZpRWJncThoejR6dUJrY0Qza1BFcnZLOEE5WHhvcWFkaTVYZ254V2NFUk1Eby1ZV3doVHhtQ2pnYUJVamV2ZkFtcmptSVlvSUNBdjR3NUZZcWxycV9wNFMxSWJhNHd2dl9PYVd0U0FRQ3ZuY3pLQQ?oc=5) · Waukon Standard Newspaper
- 2026-01-04 [Public notices for the Week of January 4, 2026 - faribaultcountyregister.com](https://news.google.com/rss/articles/CBMisgFBVV95cUxNM2c5VC1KSzVGWXhpNy1FWmZkaTlNT1UzVDJoLTdjM1VSNEJVN1JDWURRVTBTV25wcFF2RGJINEQtaVI3S0ltTGl1U1BSS1I2eWo2TXp6cHlwU1RwUXp2WmZxYWxDRk5QVl9jVEVUQmJxX3dYREVFS1FCcFJTaHViQ2NYVkNvVXpUM1cwV0RTeHVHZTg1TkJ0VjZmaGt0M0lLdWVtTGh5VWdpbFVLRnp6S0FR?oc=5) · faribaultcountyregister.com
- 2024-11-24 [Clement "Clem" Schulte Obituary Nov 24, 2024 - martinfunerals.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1TYXVBMU9MVF9NS3piTWNpNFl6Y0drNnB6Sm4wb1QyOUdjd1F4dHNLZ1lhakFsU21oWW5tcE1iTU1PcXpybmd1OV9iOEZzQ1hxdEI3VkUxUWViVXp1Ym14M2lkZHp1TjdR?oc=5) · martinfunerals.com
- 2019-09-25 [SOSB announces merger - Ottumwa Courier](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRDY3dWJuSV9ZQzJIQ1pVZ0Q5Tnl3SlY5bHVsalRqYjFvVjVfaXV2X2VQWk43MTRZN3pwUHJ5ODFMRTVVZXh3UnBqWmpGQUh6bFJtLUVNMW5zS2VBUXY4MG5aUWcyTzJGbHhTYjVMeC0yTnFJdWVpM1hrQ0x4dlhuMG1GRkNOUlZybW1IbDA2c3hMempMdXU4MndRcENEQklBVmFLa0xVVERWZ28?oc=5) · Ottumwa Courier
- 2019-05-08 [Peoples State Bank’s new Harpers Ferry location opens for business May 8... - Waukon Standard Newspaper](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPWU5HRUlrNnNWdVFTV29TbV9OWDNGdnJqbjhTN3NsWnhFUk5hZlNzdGVUcGFOcnduenpiNWpEVERBX3drc3NiRWxVampOTjQxRHJaOWk3OWlJdTdRenYwbzFCVkN0Mm02OWVVT243X2V5R3pWdkZmV1BzV1liczl5elIzM3B3UVl2TG1DbElYWGlSNEIxVUV3cXl6X2MtWDB3M1ZVa1Mtc0gtcVZFQk42UkFwb0RxMFpVOFlXSFhYQng?oc=5) · Waukon Standard Newspaper
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - Android Police](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · Android Police
- 2009-01-25 [Obituary for LeRoy C. Darby - leonard-mullerfh.com](https://news.google.com/rss/articles/CBMiY0FVX3lxTE00andLRGJNOHNIYi00TC1Rdm9BSkswQy1kTWwtOEVHMlRacWs0QXNpYjJWLXJZVnFpdnNLb05vc05aWHAtdmxkT3pXekFoM1Jpa01jS2JJQW5kVkpnV3pKd3JYbw?oc=5) · leonard-mullerfh.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=13992 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "13992", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide