Headquartered in Clarinda, Iowa, PCSB Bank is a state-chartered bank with $326.1M in total assets and $294.0M in deposits as of Q2 2026. It operates 7 offices. Its charter dates back to 1866.
Based on its Q2 2026 filing, PCSB Bank scores 77/100, which we describe as strong. That is higher than 68% of 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 81st. Its strongest component is problem-loan coverage (97/100; 1.4%), and its lowest is earnings (56/100; 0.91%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 14 points (63 → 77), mostly because the loan quality component improved by 37 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 68 |
| Q3 2024 | 51 |
| Q4 2024 | 69 |
| Q1 2025 | 63 |
| Q2 2025 | 63 |
| Q3 2025 | 64 |
| Q4 2025 | 74 |
| Q1 2026 | 76 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.86% |
| Q3 2024 | 10.43% |
| Q4 2024 | 10.40% |
| Q1 2025 | 10.50% |
| Q2 2025 | 10.69% |
| Q3 2025 | 10.92% |
| Q4 2025 | 10.81% |
| Q1 2026 | 11.11% |
| Q2 2026 | 11.09% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.79% |
| Q3 2024 | 2.31% |
| Q4 2024 | 0.46% |
| Q1 2025 | 1.29% |
| Q2 2025 | 1.34% |
| Q3 2025 | 1.29% |
| Q4 2025 | 0.16% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.25% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.58% |
| Q3 2024 | 0.55% |
| Q4 2024 | 0.58% |
| Q1 2025 | 0.70% |
| Q2 2025 | 0.66% |
| Q3 2025 | 0.67% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.89% |
| Q2 2026 | 0.91% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $326.1M | 11.09% | 0.25% | 0.91% | 60.3% |
| Q1 2026 | 76 | $332.3M | 11.11% | 0.30% | 0.89% | 57.8% |
| Q4 2025 | 74 | $337.2M | 10.81% | 0.16% | 0.71% | 58.4% |
| Q3 2025 | 64 | $326.9M | 10.92% | 1.29% | 0.67% | 58.2% |
| Q2 2025 | 63 | $318.4M | 10.69% | 1.34% | 0.66% | 59.6% |
| Q1 2025 | 63 | $324.2M | 10.50% | 1.29% | 0.70% | 57.1% |
| Q4 2024 | 69 | $332.0M | 10.40% | 0.46% | 0.58% | 55.5% |
| Q3 2024 | 51 | $324.8M | 10.43% | 2.31% | 0.55% | 57.1% |
| Q2 2024 | 68 | $313.4M | 10.86% | 0.79% | 0.58% | 58.5% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Iowa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Pinnacle BankBank Marshalltown, IA | 82 out of 100, Strong | $324.4M | 14.7% | 0.75% | vs |
| First Trust and Savings BankBank Wheatland, IA | 45 out of 100, Below average | $320.6M | 10.7% | 3.21% | vs |
| Community State BankBank Spencer, IA | 68 out of 100, Moderate | $345.8M | 10.5% | 1.24% | vs |
| Kerndt Brothers Savings BankBank Lansing, IA | 79 out of 100, Strong | $347.2M | 10.9% | 0.65% | vs |
| Savings BankBank Primghar, IA | 80 out of 100, Strong | $304.8M | 13.6% | 0.32% | vs |
| Community Bank and Trust CompanyBank Muscatine, IA | 73 out of 100, Strong | $303.5M | 8.3% | 0.08% | vs |
Deposit insurance
Is my money safe at PCSB Bank?
Yes. PCSB Bank is an FDIC-insured institution (FDIC certificate #14522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.7% of deposits ($54.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.09%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
7 locations
Branches
PCSB Bank lists 7 offices in 6 cities. Most locations:
- Clarinda, IA (2)
- Bedford, IA (1)
- Corning, IA (1)
- Creston, IA (1)
- Lenox, IA (1)
- Mount Ayr, IA (1)
Identity & history
Profile
- Legal name
- PCSB Bank
- Former names
- Page County State Bank; The Page County State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 14522
- RSSD ID
- 188449
- Primary regulator
- FDIC
- Holding company
- Whitmore Co Inc
- Established
- January 1, 1866
- Headquarters
- 120 E Washington St, Clarinda, IA 51632
- Website
- www.wearepcsb.com
- Employees
- 41
Quick answers
PCSB Bank: common questions
Is PCSB Bank FDIC insured?
Yes. PCSB Bank is an FDIC-insured institution (FDIC certificate #14522). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is PCSB Bank's TellerScore?
77 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has PCSB Bank ever failed?
There is no failure record for FDIC certificate #14522 in the FDIC failed bank list.
How many branches does PCSB Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Clarinda
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cornerstone BankBank Clarinda, IA | 83 out of 100, Strong | $42.0M | 15.2% | 0.47% | vs |
| First Heritage BankBank Shenandoah, IA | 79 out of 100, Strong | $72.1M | 10.2% | 0.00% | vs |
| Hawthorn BankBank Jefferson City, MO | 75 out of 100, Strong | $1.8B | 11.3% | 0.47% | vs |
| TS BankBank Treynor, IA | 72 out of 100, Strong | $432.7M | 10.6% | 1.41% | vs |
| Union State BankBank Greenfield, IA | 71 out of 100, Strong | $168.7M | 9.3% | 0.51% | vs |
| State Savings BankBank Bedford, IA | 70 out of 100, Strong | $207.2M | 10.0% | 0.72% | vs |