TellerScore

Peoples State Bank (FDIC certificate #12814) is based in Prairie Du Chien, Wisconsin. Its Q2 2026 call report shows $993.0M in total assets and $810.8M in deposits and 19 offices across 2 states.

Based on its Q2 2026 filing, Peoples State Bank scores 80/100, which we describe as strong. That is higher than 77% of 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 43rd. Its strongest component is problem-loan coverage (98/100; 1.2%), and its lowest is capital cushion (65/100; 11.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion65/100
Tier 1 leverage ratio: 11.54%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.21%
Earnings79/100
Return on assets (annualized): 1.47%
Funding & liquidity78/100
Loans ÷ deposits and uninsured-deposit share: 78.6% · 18.1% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.23%

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 3 points (77 → 80), mostly because the earnings component improved by 18 points.

TellerScore
717680Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202471
Q4 202474
Q1 202575
Q2 202577
Q3 202577
Q4 202578
Q1 202679
Q2 202680
Tier 1 leverage ratio
5.00%8.27%11.54%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202411.37%
Q3 202410.61%
Q4 202410.99%
Q1 202511.11%
Q2 202511.31%
Q3 202511.47%
Q4 202511.40%
Q1 202611.39%
Q2 202611.54%
Noncurrent loans
0.13%0.23%0.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.20%
Q3 20240.21%
Q4 20240.13%
Q1 20250.14%
Q2 20250.16%
Q3 20250.34%
Q4 20250.28%
Q1 20260.22%
Q2 20260.21%
Return on assets
0.64%1.05%1.47%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.64%
Q3 20240.66%
Q4 20240.72%
Q1 20250.81%
Q2 20251.04%
Q3 20251.10%
Q4 20251.21%
Q1 20261.40%
Q2 20261.47%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202680$993.0M11.54%0.21%1.47%78.6%
Q1 202679$973.3M11.39%0.22%1.40%79.3%
Q4 202578$966.3M11.40%0.28%1.21%77.8%
Q3 202577$934.6M11.47%0.34%1.10%73.9%
Q2 202577$919.2M11.31%0.16%1.04%70.6%
Q1 202575$910.6M11.11%0.14%0.81%70.8%
Q4 202474$890.6M10.99%0.13%0.72%70.0%
Q3 202471$925.9M10.61%0.21%0.66%71.2%
Q2 202473$910.4M11.37%0.20%0.64%73.4%

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).

Capital ratio11.54%
58th
Total risk-based capital17.27%
79th
Problem loans0.21%
64th
Net charge-offs-0.04%
95th
Return on assets1.47%
64th
Net interest margin3.74%
39th
Efficiency ratio58.7%
61st
Loans to deposits78.6%
52nd
Uninsured deposits18.1%
71st
Loan-loss reserves1.47%
76th
Texas ratio1.2%
66th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
The Farmers & Merchants BankBank Berlin, WI54 out of 100, Below average$949.4M10.0%1.96%vs
Farmers and Merchants Union BankBank Columbus, WI78 out of 100, Strong$872.1M10.0%0.15%vs
Bank of Sun PrairieBank Sun Prairie, WI68 out of 100, Moderate$841.2M10.0%0.07%vs
DMB Community BankBank Madison, WI69 out of 100, Moderate$835.0M11.0%0.00%vs
The Bank of New GlarusBank New Glarus, WI56 out of 100, Moderate$823.2M9.5%1.99%vs
Royal BankBank Elroy, WI79 out of 100, Strong$816.1M10.5%0.06%vs

Deposit insurance

Is my money safe at Peoples State Bank?

Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #12814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 18.1% of deposits ($147.0M) 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 11.54%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.27% (benchmark: 10%).

Check how much of your own balance is covered

19 locations

Branches

Peoples State Bank lists 19 offices in 18 cities across 2 states. Most locations:

  • Prairie Du Chien, WI (2)
  • Bloomington, WI (1)
  • Boscobel, WI (1)
  • Dickeyville, WI (1)
  • Eastman, WI (1)
  • Fennimore, WI (1)
  • Guttenberg, IA (1)
  • Harpers Ferry, IA (1)
  • Lancaster, WI (1)
  • Mcgregor, IA (1)
  • Mt. Hope, WI (1)
  • Patch Grove, WI (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples State Bank reported 231 home-loan applications under HMDA (LEI 25490034TADWBQX5BB10): 195 originated ($37,505,000 total), 13 denied, and 22 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.2%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Peoples State Bank
Type
State-chartered bank
FDIC certificate #
12814
RSSD ID
262844
Primary regulator
FDIC
Holding company
Peoples Bcorp Inc
Established
January 22, 1915
Headquarters
301 E Blackhawk Ave, Prairie Du Chien, WI 53821
Employees
148

Quick answers

Peoples State Bank: common questions

Is Peoples State Bank FDIC insured?

Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #12814). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples State Bank's TellerScore?

80 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 Peoples State Bank ever failed?

There is no failure record for FDIC certificate #12814 in the FDIC failed bank list.

How many branches does Peoples State Bank have?

19 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Prairie Du Chien

InstitutionScoreAssetsCapitalProblem loansCompare
Royal BankBank Elroy, WI79 out of 100, Strong$816.1M10.5%0.06%vs
Kerndt Brothers Savings BankBank Lansing, IA79 out of 100, Strong$347.2M10.9%0.65%vs
Community First BankBank Boscobel, WI78 out of 100, Strong$634.1M11.0%0.32%vs
Waukon State BankBank Waukon, IA78 out of 100, Strong$426.9M10.4%0.00%vs
Central State BankBank Coralville, IA76 out of 100, Strong$419.3M10.3%0.02%vs
FreedomBankBank Elkader, IA73 out of 100, Strong$433.9M10.7%0.26%vs