# PEOPLES STATE BANK
MC DONALD, KS · FDIC certificate 14898 · asset band <$300M · latest filing 2017-06 · stopped filing (departed)

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $122.4M | |
| Deposits | $99.7M | |
| Loans and leases | $107.1M | |
| Total equity | $11.2M | |
| Loans / deposits | 105.13% (p94 of band) | 75.51% |
| Liquid assets / assets | 7.75% (p3 of band) | |
| Uninsured deposits / deposits | 18.01% (p64 of band) | 14.70% |
| Brokered deposits | 2.06% | |
| Wholesale funding | 11.04% (p85 of band) | |
| FHLB advances / assets | 8.99% | |
| Tier 1 leverage | 9.14% (p19 of band) | 10.91% |
| Unrealized securities loss / equity | 0.63% (p65 of band) | 0.10% |
| AOCI / equity | -0.48% (p1 of band) | |
| ROA (annualized) | 2.12% (p95 of band) | 0.87% |
| Net interest margin | 5.57% (p99 of band) | 3.67% |
| Efficiency ratio | 53.73% (p11 of band) | |
| Noncurrent loans | 1.63% (p78 of band) | 0.61% |
| Net charge-offs (annualized) | 0.01% (p56 of band) | |
| Reserve coverage of noncurrent | 129.62% | |
| Real estate % of loans | 53% | |
| Construction % of loans | 3.39% (p25 of band) | |
| Auto loans | $1.4M (1.31% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $786,000 (7% of equity) (p98 of band) | |
| Deposits YoY | 1.1% | |
| Employees | 29 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | loans exceed deposits |  |
| 2011-09 | 2 | wholesale funding >15% |  |
| 2011-12 | 1 |  | wholesale funding >15% |
| 2012-03 | 2 | liquid assets <10% |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | capital falling, reserve under noncurrent |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 0 |  | reserve under noncurrent |
| 2014-03 | 3 | loans exceed deposits, reserve under noncurrent, uninsured deposits leaving |  |
| 2014-06 | 4 | liquid assets <10% |  |
| 2014-09 | 2 |  | reserve under noncurrent, uninsured deposits leaving |
| 2014-12 | 2 |  |  |
| 2015-03 | 1 |  | liquid assets <10% |
| 2015-06 | 2 | liquid assets <10% |  |
| 2015-09 | 3 | capital falling |  |
| 2015-12 | 4 | charge-offs p90 |  |
| 2016-03 | 3 | deposits shrinking | capital falling, charge-offs p90 |
| 2016-06 | 2 |  | liquid assets <10% |
| 2016-09 | 2 | assets shrinking | loans exceed deposits |
| 2016-12 | 3 | loans exceed deposits, capital falling | deposits shrinking |
| 2017-03 | 1 |  | loans exceed deposits, capital falling |
| 2017-06 | 2 | loans exceed deposits, liquid assets <10% | assets shrinking |

## 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
- 2023-04-24 [Peoples State Bank rebrands as Outdoor Bank to drive home its niche focus - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxPYVhleDN3MTJJLUlDZDFIaC02SmItbXVJZ0NjOFJSYUdXY3dFRTFfSXpFWmJ6WGdUUWttQjM0TTFaVFd4b2U5NlhBemtYYnBUUkh2SHpKb28yU3c3T292dEMyNk9FMS1xWks5NE9CTE52X2c5b3oySEdlTHRaNUJDcDBBcW0xSjdDZTBHTHJOcmduZGloeGl5VUtQMWhNZzl0TVV2b08zQVBVV1VQYUE?oc=5) · The Business Journals
- 2023-03-07 [Peoples Bank and Trust Pledges $500,000 To Major McPherson College Building Project - McPherson College](https://news.google.com/rss/articles/CBMitwFBVV95cUxPV2NIWnE3LWYzZXFsYXdQRUpvRGFvdmdTTDBGUk8xNjU4NDFXZFZaZjdnRmVoQ3liR3JETXNUZmpDa2I2bUhXR28yWHp4UEdhM2FaajZLMnhEWlJkZDFBWF9fYjl5cm5CTkxrTHA4cU1rSWR4eHhsM21ibDhuMlQwVmp0MUJDcTlBNklZTmlnVzF6WW9SYkMzNUVoMGg0MFJYbGRIei1lYXBMSEY4TnZkMi0tVjJ1dVE?oc=5) · McPherson College
- 2024-05-14 [The Pataskala Banking Company acquired by New Lexington-based Peoples State Bank - The Newark Advocate](https://news.google.com/rss/articles/CBMi2gFBVV95cUxOekhtWEkyODZrc2s0M3haTll0aUFETzRUU2hTeDhFc2JVLTdOMlJ3QVJrTlRyOGZ5ZHJFYlhJMnB0TW5ud3ZIVFNtSTZHZFg4dlRCaXFCTGVLZXo5M3lWOVNybTA2cG9CdS1XbkRyTGdHSlRuUkl5RXFXY0RLOWxVakhVRFI2c3N0bml3Wjh2ZGVMWDUxbWt5d1l1RHJHZTVkMUd4UWdRZzVIREEzSXY2N0JCVnZRcHBIb3pSZUlSczB4aGZnOHk0V1FoVC1WSExPSjkzMVcyWnRfQQ?oc=5) · The Newark Advocate
- 2023-04-20 [Peoples State Bank rebrands as Outdoor Bank - hayspost.com](https://news.google.com/rss/articles/CBMicEFVX3lxTFA1b3VIZjlZWWc1dUNFTVJJRVNqZ3hKcUtjcnY5N0hsMUdxNVRkRWVNMElxYU1XN29YNEJWZTBvWXk3azRDb3FZNHhZT3lrcHBSVjhmM3ppWmItVUVPOWpCSjZ1WW1MdXg3R2l4ZHpTY3o?oc=5) · hayspost.com
- 2026-05-27 [Bank First eyes Waukesha County market with $202.9M acquisition pending - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQbG1oRy1ibEpVVGxmbFk0cU4xU3NZM0t6TWV3eTdYYk9kZ2VsejNydTRYYUVTN0JWbE42WnhNcWFUejgwaTlPU21SaC1LbXd6Y192RnFHVWRkV1BWWXI2SzZ2YjBka1Zha29mU2ZMc3ltMGdmV0RDVlV0X2M1N085RFNhZlVVZmktSjdRcC1CTnU3eFQ3d242a05ob1lvM1Zz?oc=5) · The Business Journals
- 2024-09-28 [Peoples Bank acquires KANZA Bank - Hutch Post](https://news.google.com/rss/articles/CBMickFVX3lxTE5lWk5fQ0JMWWk3dVFHZ0tsdWlQQ1pnUHluZm80TzNpTHlUeHUyVTNVYXBxcHVJVk1jZDFnQ09PeVBPOVJVRUp6ZXBxMTBlMi1ELUxqNHFoSDUxVTlPZTZlR1A5TXZvcl9JTFo4bWw1YURhZw?oc=5) · Hutch Post
- 2021-09-22 [Google Pay growth continues to explode, with dozens upon dozens of new banks signing on - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=14898 (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/50.json (key "14898", 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