# PEOPLES STATE BANK
BLAIR, OK · FDIC certificate 17138 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 0 (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 | $13.9M | |
| Deposits | $12.1M | |
| Loans and leases | $9.8M | |
| Total equity | $1.8M | |
| Loans / deposits | 80.00% (p62 of band) | 73.59% |
| Liquid assets / assets | 28.30% (p39 of band) | |
| Uninsured deposits / deposits | 4.59% (p3 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 13.04% (p64 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 1.24% (p55 of band) | 1.17% |
| Net interest margin | 6.38% (p99 of band) | 3.93% |
| Efficiency ratio | 80.67% (p80 of band) | |
| Noncurrent loans | 0.00% (p12 of band) | 0.36% |
| Net charge-offs (annualized) | -0.01% (p9 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 26% | |
| Construction % of loans | 0.00% (p9 of band) | |
| Auto loans | $721,000 (7.39% of loans; DQ 1.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 1.3% | |
| Employees | 5 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | construction >100% equity |  |
| 2011-06 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 1 |  |  |
| 2012-06 | 1 |  |  |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 2 | charge-offs p90 |  |
| 2013-06 | 3 | deposits shrinking, assets shrinking | charge-offs p90 |
| 2013-09 | 2 |  | deposits shrinking |
| 2013-12 | 2 | capital falling | assets shrinking |
| 2014-03 | 2 |  |  |
| 2014-06 | 1 | charge-offs p90 | construction >100% equity, capital falling |
| 2014-09 | 1 |  |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | charge-offs p90 |
| 2015-06 | 2 | deposits shrinking, assets shrinking |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | assets shrinking |
| 2016-03 | 2 | assets shrinking |  |
| 2016-06 | 0 |  | deposits shrinking, assets shrinking |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | uninsured deposits leaving |  |
| 2017-03 | 2 | capital falling |  |
| 2017-06 | 0 |  | uninsured deposits leaving, capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 1 | capital falling |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 | assets shrinking | capital falling |
| 2018-12 | 1 | uninsured deposits leaving | assets shrinking |
| 2019-03 | 0 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 1 | capital falling |  |
| 2020-06 | 1 |  |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | uninsured deposits leaving | capital falling |
| 2021-03 | 0 |  | uninsured deposits leaving |
| 2021-06 | 2 | capital falling, expense ratio p90 |  |
| 2021-09 | 2 | uninsured deposits leaving | capital falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 | deposits shrinking | expense ratio p90, uninsured deposits leaving |
| 2022-06 | 2 | assets shrinking |  |
| 2022-09 | 2 |  |  |
| 2022-12 | 3 | reserve under noncurrent |  |
| 2023-03 | 4 | charge-offs p90 |  |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2023-09 | 1 |  |  |
| 2023-12 | 2 | uninsured deposits leaving |  |
| 2024-03 | 4 | deposits shrinking, assets shrinking |  |
| 2024-06 | 3 |  | charge-offs p90 |
| 2024-09 | 3 |  |  |
| 2024-12 | 2 |  | uninsured deposits leaving |
| 2025-03 | 3 | charge-offs p90 |  |
| 2025-06 | 2 | uninsured deposits leaving | deposits shrinking, charge-offs p90 |
| 2025-09 | 3 | deposits shrinking |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 0 |  | assets shrinking, uninsured deposits leaving, deposits shrinking |
| 2026-06 | 0 |  |  |

## 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
- 2022-07-12 [Peoples State Bank headquarters on north side of Bloomington gets OK from plan commission - The B Square Bulletin](https://news.google.com/rss/articles/CBMiugFBVV95cUxPNktjeFpOZHRTWHNSYXVYOUFmLXhXRzN0ek1PR1ZuRUhQamFFQUN0Y2RORE8tQkZQaG82QThIWmJCTXNITzZ6TlNUVENrUjQ4bjJjWWZRUk9uSHhQSHpSdTZiTEIwb0kwTHBCdXhhZUhhQ2x4bkZ4bFRZdlE5d25LTG1kcXdYdXU4cmhRNVdJWDdCeWRrN1JoaEEyZ2lpdXVfVVNFRDdNallfM3RxTVI2bk5fUlZaV2p1aGc?oc=5) · The B Square Bulletin
- 2021-06-23 [Executive Insights: Jeff Musa of Peoples State Bank (Video) - The Business Journals](https://news.google.com/rss/articles/CBMikAFBVV95cUxNSUt6VnNISzJYTlRGM19VTmlCT2Z3ZjVwUXVRR0lzT3djTlNwTWI2dXNsTmRtWUZmQlVDd0d3OU8yNWRmeDVEVzY4Tjhtd2x5TjZ5TEo3c2s2YUFwLTVmb0gzREZSOHNYbDhuT1BWWEpTYWlFTVZUa0J6eHJVNlljcmw1MW9HQUR1TWhtS2l2YTI?oc=5) · The Business Journals
- 2021-04-19 [Alabama bank to buy Peoples State - Nashville Post](https://news.google.com/rss/articles/CBMiygFBVV95cUxQMXlDYWg2Vkw5aUdvZndUZXFLd19wSmpKRlZtZ0V6UU5ha19jVmRzaDdLcjRkRmFtT1pQeG1abjlSNzRQem1wUTlvN2xaTTJvTThYOWxMUjkxV2E0eWYtV2FrSjgzcHdiUTB1RFBtRmlwSVhPazVDeTlWVzVYYWp6U1doaFdsTnFzODl4R3NRdjVzV0k2ZGpYSl9xa2VVckl0UU14UG9EWlVIdHpEcDVEUUZMR0Q5Z0twQ3RqNm9RdFVrbXliRWRiNVl3?oc=5) · Nashville Post
- 2026-09-09 [Peoples State Bank and Bank First Corp. intend to merge in 2026 - Chippewa Herald](https://news.google.com/rss/articles/CBMiogFBVV95cUxQWTh1OWF1clR6cV9JWng4Rk9wbUlmeTdwb0FVWktHa1plV1JTQTJvNTdEM3V5UllWSGdxVkZpbm44MUZrNHBDYjdXZzNiT3pla1dZemxHS09Ib29NS01WRUNFa3BQbkFXdGpJYmZERHpSdnp4RDQ1RkQ3Z292bW9xUko1SlhBLVYxcTV6VWFsN2VkQkx4SThSU2RnTEE3bEZNMkE?oc=5) · Chippewa Herald
- 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
- 2018-12-29 [Richard William Nebel Obituary Dec 29, 2018 - Bowerman Funeral Home](https://news.google.com/rss/articles/CBMibEFVX3lxTFBGNHQ2YnVWLWFrSFRuYkQ1VlVnRWZBaFdlTzBsVXFEdnhHbXlSeHdPRnEtU0lWelJCZU01dFpDQjlYZW9HY1ZFZ0diS1NicHlVc0ZTcnBYbzhCWS1jcmpsNWZmRzhQWkJ6NjB3ag?oc=5) · Bowerman Funeral Home
- 2017-10-07 [Mary Susanna "Suzi" Elias Obituary Oct 7, 2017 - Fitzgerald Funeral Service](https://news.google.com/rss/articles/CBMidkFVX3lxTE1GM0xUVGsyQjRhd09iTHdRLTJJbTk2c2RmX2VzTGhOak5GaDVCVlB6aFl2RUZTbmIwOUpRTm5qTFRPM2g3Wnk1MWtmT0dzTzlUZG1WdmJRZ0pFVHJuUjQ3RFJzZXo5VzNVWllCc0o3T09RQkFfSXc?oc=5) · Fitzgerald Funeral Service

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=17138 (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 "17138", 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