$1.49B
+2.4%y/y
Percentile by value48th percentileby value
FDIC
ASSETPS
Peoples State Bank
Wausau, WisconsinFDIC Cert #18569
STATEEstablished 196212 branches
Holding company: PSB HOLDINGS INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportPeoples State Bank reported $1.49B in total assets. Deposits grew 5.28% over the prior year.
Return on assets was 1.03%, compared with an asset-peer median of 1.16%. The leverage ratio was 9.97%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Total Assets below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$1.2B
+5.3%y/y
Percentile by value43rd percentileby value
FDIC
DEP$1.12B
+1.8%y/y
Percentile by value54th percentileby value
FDIC
LNLSNET1.03%
+24 bpsy/y
Peer standing39th percentile
FDIC
NETINC + ROA64.39%
−710 bpsy/y
Peer standing41st percentile
FDIC
NONIX + NIM + NONII + EEFFR9.97%
+41 bpsy/y
Peer standing37th percentile
FDIC
RBC1AAJPercentiles compare this bank with 629 banks from $1 billion to $3 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $1.25B | $1.04B |
| Q3 2021 | $1.3B | $1.09B |
| Q4 2021 | $1.29B | $1.11B |
| Q1 2022 | $1.26B | $1.09B |
| Q2 2022 | $1.3B | $1.12B |
| Q3 2022 | $1.32B | $1.15B |
| Q4 2022 | $1.34B | $1.17B |
| Q1 2023 | $1.36B | $1.12B |
| Q2 2023 | $1.42B | $1.16B |
| Q3 2023 | $1.44B | $1.19B |
| Q4 2023 | $1.42B | $1.16B |
| Q1 2024 | $1.42B | $1.13B |
| Q2 2024 | $1.49B | $1.17B |
| Q3 2024 | $1.48B | $1.15B |
| Q4 2024 | $1.47B | $1.16B |
| Q1 2025 | $1.46B | $1.14B |
| Q2 2025 | $1.51B | $1.19B |
| Q3 2025 | $1.5B | $1.2B |
| Q4 2025 | $1.46B | $1.19B |
| Q1 2026 | $1.49B | $1.2B |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $268M |
| Investor CRE | $236M |
| Multifamily | $70.8M |
| Construction | $91.2M |
| 1–4 family | $297M |
| C&I | $144M |
| Agriculture | $9.19M |
| Other | $13.3M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.03%39th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.47%Median 1.16%90th 2.03%Observations 629
ROE
FDIC
NETINC + ROE11.00%46th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.37%Median 11.64%90th 19.98%Observations 629
NIM
FDIC
NIM + NIMY3.58%45th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.81%Median 3.64%90th 4.58%Observations 630
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.39%41st percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.28%Median 61.40%90th 80.08%Observations 629
Deposits YoY
FDIC
DEP+5.28%53rd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.50%Median +4.71%90th +17.76%Observations 624
Loans YoY
FDIC
LNLSNET+1.79%25th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.84%Median +5.89%90th +17.13%Observations 623
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.37%17th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.52%90th 1.91%Observations 623
Leverage
FDIC
RBC1AAJ9.97%37th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.85%Median 10.50%90th 14.46%Observations 630
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.20%22nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.77%Median 2.61%90th 3.65%Observations 624
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC246%57th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 88%Median 225%90th 349%Observations 464
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.03%38th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.52%Median 1.20%90th 2.06%Observations 156
ROE
FDIC
NETINC + ROE11.00%49th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.71%Median 11.08%90th 18.36%Observations 156
NIM
FDIC
NIM + NIMY3.58%38th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.73%90th 4.34%Observations 156
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.39%46th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 43.85%Median 63.27%90th 85.74%Observations 156
Deposits YoY
FDIC
DEP+5.28%57th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.83%Median +4.50%90th +10.92%Observations 155
Loans YoY
FDIC
LNLSNET+1.79%20th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −1.82%Median +6.61%90th +14.77%Observations 153
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.37%18th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.34%90th 2.05%Observations 153
Leverage
FDIC
RBC1AAJ9.97%39th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.76%Median 10.76%90th 15.73%Observations 156
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.20%19th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.64%Median 2.48%90th 3.52%Observations 155
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC246%74th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 59%Median 183%90th 345%Observations 89
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.03%48th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.57%Median 1.03%90th 1.74%Observations 22
ROE
FDIC
NETINC + ROE11.00%67th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 6.26%Median 9.34%90th 17.13%Observations 22
NIM
FDIC
NIM + NIMY3.58%52nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.84%Median 3.57%90th 4.25%Observations 22
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR64.39%38th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.83%Median 60.58%90th 76.68%Observations 22
Deposits YoY
FDIC
DEP+5.28%62nd percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.01%Median +3.42%90th +7.09%Observations 22
Loans YoY
FDIC
LNLSNET+1.79%19th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.46%Median +3.62%90th +9.41%Observations 22
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.37%14th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.15%Median 0.49%90th 1.44%Observations 22
Leverage
FDIC
RBC1AAJ9.97%33rd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.08%Median 11.13%90th 15.73%Observations 22
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM3.20%24th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 2.19%Median 2.80%90th 3.98%Observations 22
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC246%38th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 161%Median 256%90th 409%Observations 14
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 12 branches
- Headquarters
- Wausau, WI
FDIC
OFFDOMOpen the Wisconsin dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data