Peoples Savings Bank is a state-chartered bank headquartered in Wellsburg, Iowa, in business for about 92 years. At the end of Q2 2026 it reported $189.1M in total assets and $142.0M in deposits, with 3 offices.
Peoples Savings Bank has a TellerScore of 56 out of 100 (moderate) based on Q2 2026 data — higher than only 13% of its 2,650 banks with $100 million – $1 billion. Among 226 banks headquartered in Iowa, it ranks 205th. Problem-loan coverage contributes the most (81/100, 9.5%); capital cushion contributes the least (49/100, 9.89%).
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 fell 4 points (60 → 56), mostly because the loan quality component weakened by 25 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 60 |
| Q3 2024 | 60 |
| Q4 2024 | 62 |
| Q1 2025 | 62 |
| Q2 2025 | 60 |
| Q3 2025 | 60 |
| Q4 2025 | 58 |
| Q1 2026 | 66 |
| Q2 2026 | 56 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.41% |
| Q3 2024 | 9.50% |
| Q4 2024 | 9.48% |
| Q1 2025 | 9.20% |
| Q2 2025 | 9.15% |
| Q3 2025 | 9.18% |
| Q4 2025 | 9.30% |
| Q1 2026 | 9.63% |
| Q2 2026 | 9.89% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.50% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.38% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.50% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.22% |
| Q2 2026 | 1.19% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.47% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.60% |
| Q3 2025 | 0.68% |
| Q4 2025 | 0.71% |
| Q1 2026 | 0.82% |
| Q2 2026 | 0.81% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 56 | $189.1M | 9.89% | 1.19% | 0.81% | 100.1% |
| Q1 2026 | 66 | $183.6M | 9.63% | 0.22% | 0.82% | 94.4% |
| Q4 2025 | 58 | $190.3M | 9.30% | 0.68% | 0.71% | 93.2% |
| Q3 2025 | 60 | $187.9M | 9.18% | 0.50% | 0.68% | 97.9% |
| Q2 2025 | 60 | $190.2M | 9.15% | 0.46% | 0.60% | 99.1% |
| Q1 2025 | 62 | $187.7M | 9.20% | 0.38% | 0.64% | 94.0% |
| Q4 2024 | 62 | $180.3M | 9.48% | 0.40% | 0.56% | 99.6% |
| Q3 2024 | 60 | $176.0M | 9.50% | 0.50% | 0.51% | 102.0% |
| Q2 2024 | 60 | $173.1M | 9.41% | 0.47% | 0.47% | 96.8% |
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 |
|---|---|---|---|---|---|
| Bellevue State BankBank Bellevue, IA | 92 out of 100, Very strong | $187.7M | 14.3% | 0.16% | vs |
| Farmers Trust & Savings BankBank Williamsburg, IA | 87 out of 100, Very strong | $191.6M | 23.1% | 0.34% | vs |
| Liberty Trust & Savings BankBank Durant, IA | 86 out of 100, Very strong | $186.2M | 20.7% | 0.86% | vs |
| Security Savings BankBank Gowrie, IA | 89 out of 100, Very strong | $193.7M | 13.2% | 0.04% | vs |
| Citizens State BankBank Sheldon, IA | 87 out of 100, Very strong | $194.7M | 12.5% | 0.00% | vs |
| Mount Vernon Bank and Trust CompanyBank Mount Vernon, IA | 82 out of 100, Strong | $195.5M | 13.0% | 0.21% | vs |
Deposit insurance
Is my money safe at Peoples Savings Bank?
Yes. Peoples Savings Bank is an FDIC-insured institution (FDIC certificate #14868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 22.2% of deposits ($31.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.89%, 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%).
3 locations
Branches
Peoples Savings Bank lists 3 offices in 3 cities. Most locations:
- Ackley, IA (1)
- Dike, IA (1)
- Wellsburg, IA (1)
Identity & history
Profile
- Legal name
- Peoples Savings Bank
- Former names
- Peoples Savings Bank of Wellsburg
- Type
- State-chartered bank
- FDIC certificate #
- 14868
- RSSD ID
- 136048
- Primary regulator
- FDIC
- Holding company
- Psb Corp
- Established
- January 1, 1934
- Headquarters
- 414 N Adams St, Wellsburg, IA 50680
- Website
- www.bankpsb.com
- Employees
- 30
Quick answers
Peoples Savings Bank: common questions
Is Peoples Savings Bank FDIC insured?
Yes. Peoples Savings Bank is an FDIC-insured institution (FDIC certificate #14868). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples Savings Bank's TellerScore?
56 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples Savings Bank ever failed?
There is no failure record for FDIC certificate #14868 in the FDIC failed bank list.
How many branches does Peoples Savings Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Wellsburg
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Farmers Savings BankBank Marshalltown, IA | 85 out of 100, Very strong | $140.3M | 16.5% | 0.57% | vs |
| GNB BankBank Grundy Center, IA | 76 out of 100, Strong | $621.3M | 12.2% | 0.62% | vs |
| CUSB BankBank Cresco, IA | 74 out of 100, Strong | $812.1M | 12.3% | 0.65% | vs |
| Green Belt Bank & TrustBank Iowa Falls, IA | 71 out of 100, Strong | $758.7M | 9.2% | 0.04% | vs |
| Iowa Falls State BankBank Iowa Falls, IA | 71 out of 100, Strong | $201.5M | 8.6% | 0.25% | vs |
| Nicolet National BankBank Green Bay, WI | 64 out of 100, Moderate | $15.4B | 9.6% | 0.63% | vs |