TellerScore

Peoples State Bank of Plainview (FDIC certificate #1100) is based in Plainview, Minnesota. Its Q2 2026 call report shows $429.1M in total assets and $393.2M in deposits and 6 offices across 2 states.

Based on its Q2 2026 filing, Peoples State Bank of Plainview scores 66/100, which we describe as moderate. That is higher than only 31% of 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 142nd. Its strongest component is earnings (88/100; 1.70%), and its lowest is capital cushion (39/100; 8.87%).

TellerScore · Q2 2026

Scorecard

Capital cushion39/100
Tier 1 leverage ratio: 8.87%
Loan quality68/100
Noncurrent loans ÷ total loans: 0.95%
Earnings88/100
Return on assets (annualized): 1.70%
Funding & liquidity77/100
Loans ÷ deposits and uninsured-deposit share: 75.0% · 22.5% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.85%

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 5 points (71 → 66), mostly because the loan quality component weakened by 26 points.

TellerScore
656972Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202569
Q2 202571
Q3 202571
Q4 202572
Q1 202665
Q2 202666
Tier 1 leverage ratio
5.00%6.93%8.87%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.71%
Q3 20248.43%
Q4 20248.44%
Q1 20258.44%
Q2 20258.66%
Q3 20258.74%
Q4 20258.85%
Q1 20268.82%
Q2 20268.87%
Noncurrent loans
0.14%0.58%1.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.21%
Q4 20240.14%
Q1 20250.18%
Q2 20250.17%
Q3 20250.18%
Q4 20250.16%
Q1 20261.02%
Q2 20260.95%
Return on assets
0.68%1.19%1.70%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.68%
Q3 20240.84%
Q4 20240.86%
Q1 20251.15%
Q2 20251.27%
Q3 20251.36%
Q4 20251.39%
Q1 20261.66%
Q2 20261.70%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202666$429.1M8.87%0.95%1.70%75.0%
Q1 202665$406.5M8.82%1.02%1.66%76.7%
Q4 202572$410.5M8.85%0.16%1.39%72.8%
Q3 202571$400.1M8.74%0.18%1.36%74.6%
Q2 202571$389.5M8.66%0.17%1.27%74.9%
Q1 202569$388.7M8.44%0.18%1.15%73.2%
Q4 202467$389.4M8.44%0.14%0.86%73.5%
Q3 202467$387.3M8.43%0.21%0.84%73.4%
Q2 202466$367.8M8.71%0.21%0.68%75.6%

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 ratio8.87%
10th
Total risk-based capital14.18%
63rd
Problem loans0.95%
29th
Net charge-offs0.00%
58th
Return on assets1.70%
76th
Net interest margin3.72%
38th
Efficiency ratio51.1%
81st
Loans to deposits75.0%
60th
Uninsured deposits22.5%
55th
Loan-loss reserves1.17%
47th
Texas ratio8.8%
21st

Similar-size banks in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
Foresight BankBank Plainview, MN41 out of 100, Below average$433.8M10.2%3.04%vs
My Kind of Bank, National AssociationBank Ottertail, MN64 out of 100, Moderate$422.6M9.0%0.96%vs
First National Bank MinnesotaBank Saint Peter, MN64 out of 100, Moderate$437.8M9.8%1.12%vs
Sentry BankBank Saint Joseph, MN70 out of 100, Strong$415.5M8.7%0.00%vs
Star BankBank Maple Lake, MN46 out of 100, Below average$445.8M9.3%2.07%vs
Village BankBank Saint Francis, MN62 out of 100, Moderate$411.9M9.0%0.40%vs

Deposit insurance

Is my money safe at Peoples State Bank of Plainview?

Yes. Peoples State Bank of Plainview is an FDIC-insured institution (FDIC certificate #1100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 22.5% of deposits ($88.5M) 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 8.87%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.18% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Peoples State Bank of Plainview lists 5 offices in 5 cities across 2 states. Most locations:

  • Altura, MN (1)
  • Boyceville, WI (1)
  • Elgin, MN (1)
  • Menomonie, WI (1)
  • Plainview, MN (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Peoples State Bank of Plainview reported 271 home-loan applications under HMDA (LEI 2549009PBYH62M6NZK12): 223 originated ($43,135,000 total), 17 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.3%, 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 of Plainview
Type
State-chartered bank (Fed member)
FDIC certificate #
1100
RSSD ID
786555
Primary regulator
FED
Holding company
Wrz Bankshares Inc
Established
June 29, 1925
Headquarters
100 4th Ave Se, Plainview, MN 55964
Employees
45

Quick answers

Peoples State Bank of Plainview: common questions

Is Peoples State Bank of Plainview FDIC insured?

Yes. Peoples State Bank of Plainview is an FDIC-insured institution (FDIC certificate #1100). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Peoples State Bank of Plainview's TellerScore?

66 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 State Bank of Plainview ever failed?

There is no failure record for FDIC certificate #1100 in the FDIC failed bank list.

How many branches does Peoples State Bank of Plainview have?

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

Nearby

Highest-scoring banks and credit unions with branches near Plainview

InstitutionScoreAssetsCapitalProblem loansCompare
Mayo Employees Federal Credit UnionCredit union Rochester, MN98 out of 100, Very strong$1.5B14.9%0.05%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs
Premier Bank MinnesotaBank Hastings, MN77 out of 100, Strong$691.5M10.0%0.04%vs
Wnb Financial, N.A.Bank Winona, MN76 out of 100, Strong$583.7M10.3%0.08%vs
Minnesota First Credit and Savings, IncorporatedBank Rochester, MN76 out of 100, Strong$29.9M14.2%0.12%vs