# PEOPLES STATE BANK
MANY, LA · FDIC certificate 8801 · asset band $300M-1B · latest filing 2012-09 · stopped filing (departed)

**Verdict on the desk:** this could be *liquidity-rich*. 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 | $487.5M | |
| Deposits | $405.6M | |
| Loans and leases | $269.2M | |
| Total equity | $51.4M | |
| Loans / deposits | 65.47% (p27 of band) | 75.94% |
| Liquid assets / assets | 39.18% (p73 of band) | |
| Uninsured deposits / deposits | 27.10% (p92 of band) | 12.76% |
| Brokered deposits | 4.19% | |
| Wholesale funding | 9.61% (p67 of band) | |
| FHLB advances / assets | 5.19% | |
| Tier 1 leverage | 9.33% (p40 of band) | 9.72% |
| Unrealized securities loss / equity | 9.56% (p81 of band) | 4.38% |
| AOCI / equity | 4.65% (p97 of band) | |
| ROA (annualized) | 0.73% (p42 of band) | 0.85% |
| Net interest margin | 3.50% (p38 of band) | 3.69% |
| Efficiency ratio | 72.82% (p64 of band) | |
| Noncurrent loans | 0.51% (p15 of band) | 1.75% |
| Net charge-offs (annualized) | -0.03% (p4 of band) | |
| Reserve coverage of noncurrent | 262.27% | |
| Real estate % of loans | 69% | |
| Construction % of loans | 19.50% (p34 of band) | |
| Auto loans | $2.3M (0.84% of loans; DQ 1.64%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.9% | |
| Employees | 149 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |

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

- 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
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2024-03-14 [40 Under 40: Jeff Musa, Peoples State Bank - The Business Journals](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQeHBfUmJmdDFORXkzbEdZMXhUWG9va3o1SlhHU2ZiOTZKZGp4a3RIRm8wYUs0aEVXQUhiY2NYVWVnX0I3Z21QZHM0MWhvRzdLeDB3QTN3M25vUktVLWxmUnRzRmMwYWdZekNfczM0Yms3U1BsWV8zUWl0bHI5TzB4NjRKVE45MUhsODFyd2dpRnhvdkota0hmTnpETmVXNnI5UjhRSGtqSXVrNmxYdlJNaHFwNGFGdXZ3eEpmNWxhenp5X05DWVBKSVo4Qk0tYlVZUEdkSjQ0WkVqQQ?oc=5) · The Business Journals
- 2018-06-07 [Peoples adds new AVP – commercial banking to team, enters Stevens Point market - Wausau Pilot & Review](https://news.google.com/rss/articles/CBMipgFBVV95cUxOY0txTlp4Q1RvWGpLRExqUG9Wb3Z5ZFE3eVgzWEUzOHV3SjcyRlR2OURiMzBwSktTRll1LXlIZG9HNmxvaXBSNFNYUjZnRi1qRlJramJvREpET2FvRU95M1g3TkpFTTJGOUR3LXRZQk5SZWxvd2RBTmpaRXVqRERZWUZlVURIQy1QbXhXTExqRjRJTnFNY1gtSVNNcGZmU05ocnVta1Z3?oc=5) · Wausau Pilot & Review
- 2024-11-24 [Clement "Clem" Schulte Obituary Nov 24, 2024 - martinfunerals.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE1TYXVBMU9MVF9NS3piTWNpNFl6Y0drNnB6Sm4wb1QyOUdjd1F4dHNLZ1lhakFsU21oWW5tcE1iTU1PcXpybmd1OV9iOEZzQ1hxdEI3VkUxUWViVXp1Ym14M2lkZHp1TjdR?oc=5) · martinfunerals.com
- 2025-02-26 [Court informed of Lavaca County Day at state Capitol - Lavaca County Today](https://news.google.com/rss/articles/CBMijAFBVV95cUxObUJUSmY4cTNfODBtNWVnT1g0UzhJZ25SSHJNa0x3R2hWUXhITTNmTUpoRDFmeXdMZS1fNW43MU5LQVNkYmNST3pjR3lFdExCUmxlUWtHVDBlMTh5RkdrQWVoRFhMbE5DZV8yU0o2MWRsUTJsbXdLRkEtM2RGX0Z5STgybWFVdDZiQU84UQ?oc=5) · Lavaca County Today
- 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
- 2019-09-25 [SOSB announces merger - Ottumwa Courier](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQRDY3dWJuSV9ZQzJIQ1pVZ0Q5Tnl3SlY5bHVsalRqYjFvVjVfaXV2X2VQWk43MTRZN3pwUHJ5ODFMRTVVZXh3UnBqWmpGQUh6bFJtLUVNMW5zS2VBUXY4MG5aUWcyTzJGbHhTYjVMeC0yTnFJdWVpM1hrQ0x4dlhuMG1GRkNOUlZybW1IbDA2c3hMempMdXU4MndRcENEQklBVmFLa0xVVERWZ28?oc=5) · Ottumwa Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8801 (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/33.json (key "8801", 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