1.03%
+30.6%y/y
Peer standing39th percentile
FDIC
NETINC + ROAPS
Peoples State Bank
Wausau, WisconsinFDIC Cert #18569
STATEEstablished 196212 branches
Holding company: PSB HOLDINGS INCRegulator: FDIC
FDIC
CERT + OFFDOMProfitability, margin & efficiency
Performance
Returns, spread economics, operating efficiency, and growth viewed against this bank's peers.
As of Q1 2026
Returns & margin
Annualized returns and the economics of earning assets and paid funding.
11.00%
+19.8%y/y
Peer standing46th percentile
FDIC
NETINC + ROE1.33%
+40.9%y/y
Peer standing42nd percentile
FDIC
PTAXNETINC + ASSET3.58%
+14.0%y/y
Peer standing45th percentile
FDIC
NIM + NIMY5.68%
+5.3%y/y
Peer standing59th percentile
FDIC
INTINCY3.20%
−8.4%y/y
Peer standing22nd percentile
FDIC
EINTEXP + DEPIDOMEfficiency & growth
Operating productivity and year-over-year balance-sheet momentum.
64.39%
−9.9%y/y
Peer standing41st percentile
FDIC
NONIX + NIM + NONII + EEFFR2.65%
+7.4%y/y
Peer standing39th percentile
FDIC
NONIX + ASSET18.52%
+25.6%y/y
Percentile by value72nd percentileby value
FDIC
NONII + NIM+2.44%
−16.0%y/y
Percentile by value29th percentileby value
FDIC
ASSET+5.28%
+315.2%y/y
Percentile by value53rd percentileby value
FDIC
DEP+1.79%
+29.7%y/y
Percentile by value25th percentileby value
FDIC
LNLSNETHow this bank compares
Switch cohorts or expand any row to inspect the full distribution.
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.