# PEOPLES STATE BANK
ALBIA, IA · FDIC certificate 26911 · asset band <$300M · latest filing 2019-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $121.3M | |
| Deposits | $98.8M | |
| Loans and leases | $71.9M | |
| Total equity | $17.1M | |
| Loans / deposits | 71.96% (p41 of band) | 76.58% |
| Liquid assets / assets | 37.21% (p64 of band) | |
| Uninsured deposits / deposits | 17.31% (p53 of band) | 16.53% |
| Brokered deposits | 0.71% | |
| Wholesale funding | 4.64% (p69 of band) | |
| FHLB advances / assets | 3.46% | |
| Tier 1 leverage | 13.01% (p69 of band) | 11.42% |
| Unrealized securities loss / equity | 3.51% (p88 of band) | 0.65% |
| AOCI / equity | 4.36% (p72 of band) | |
| ROA (annualized) | 0.68% (p29 of band) | 1.01% |
| Net interest margin | 3.50% (p32 of band) | 3.82% |
| Efficiency ratio | 79.82% (p75 of band) | |
| Noncurrent loans | 0.45% (p47 of band) | 0.52% |
| Net charge-offs (annualized) | 0.01% (p46 of band) | |
| Reserve coverage of noncurrent | 233.75% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 11.55% (p43 of band) | |
| Auto loans | $1.5M (2.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -0.1% | |
| Employees | 26 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 0 |  | wholesale funding >15%, reserve under noncurrent |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | wholesale funding >15% |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 0 |  | wholesale funding >15% |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | wholesale funding >15% |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | wholesale funding >15% |
| 2015-06 | 1 | wholesale funding >15% |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 0 |  | wholesale funding >15% |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 0 |  | capital falling |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, uninsured deposits leaving |  |
| 2019-06 | 0 |  | deposits shrinking, uninsured deposits leaving |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 0 |  | uninsured deposits leaving |

## 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 - androidpolice.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxQRjVBSkRYUnhSaHFFUTJvZGt2X0R0RnZtcWp6MUUtQjR3R3RXNmc1Umo4Q3NaV0VKVVpsYTRCSVkzb0dfdmhWS05ZWnpQYWh6d3gzc0VVVzBCYXM0MnBCbG9kekdMdnBfZk9selhhTkhDV2pCMGxUNXVlNG5wMmpodURVQWxjanVxT0VhYQ?oc=5) · androidpolice.com
- 2009-01-25 [Obituary for LeRoy C. Darby - Leonard-Muller Funeral Home & Crematory](https://news.google.com/rss/articles/CBMiY0FVX3lxTE00andLRGJNOHNIYi00TC1Rdm9BSkswQy1kTWwtOEVHMlRacWs0QXNpYjJWLXJZVnFpdnNLb05vc05aWHAtdmxkT3pXekFoM1Jpa01jS2JJQW5kVkpnV3pKd3JYbw?oc=5) · Leonard-Muller Funeral Home &amp; Crematory

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=26911 (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/31.json (key "26911", 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