TellerScore

PSB Bank (FDIC certificate #15264) is based in Rhineland, Missouri. Its Q2 2026 call report shows $854.5M in total assets and $694.1M in deposits and 18 offices.

Based on its Q2 2026 filing, PSB Bank scores 65/100, which we describe as moderate. That is higher than only 29% of 2,650 banks with $100 million – $1 billion. Among 194 banks headquartered in Missouri, it ranks 137th. Its strongest component is problem-loan coverage (95/100; 2.4%), and its lowest is capital cushion (31/100; 8.12%).

TellerScore · Q2 2026

Scorecard

Capital cushion31/100
Tier 1 leverage ratio: 8.12%
Loan quality90/100
Noncurrent loans ÷ total loans: 0.29%
Earnings68/100
Return on assets (annualized): 1.19%
Funding & liquidity65/100
Loans ÷ deposits and uninsured-deposit share: 95.7% · 8.9% uninsured
Problem-loan coverage95/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.44%

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 (70 → 65), mostly because the capital cushion component weakened by 16 points.

TellerScore
656870Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202466
Q3 202467
Q4 202467
Q1 202570
Q2 202570
Q3 202569
Q4 202567
Q1 202668
Q2 202665
Tier 1 leverage ratio
5.00%7.36%9.71%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.91%
Q3 20249.08%
Q4 20249.32%
Q1 20259.62%
Q2 20259.70%
Q3 20259.71%
Q4 20258.90%
Q1 20269.03%
Q2 20268.12%
Noncurrent loans
0.12%0.20%0.29%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.17%
Q3 20240.13%
Q4 20240.20%
Q1 20250.12%
Q2 20250.21%
Q3 20250.27%
Q4 20250.20%
Q1 20260.21%
Q2 20260.29%
Return on assets
0.91%1.05%1.20%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.91%
Q4 20240.99%
Q1 20251.14%
Q2 20251.17%
Q3 20251.20%
Q4 20251.07%
Q1 20261.11%
Q2 20261.19%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$854.5M8.12%0.29%1.19%95.7%
Q1 202668$830.6M9.03%0.21%1.11%91.4%
Q4 202567$818.8M8.90%0.20%1.07%92.3%
Q3 202569$722.6M9.71%0.27%1.20%98.5%
Q2 202570$698.5M9.70%0.21%1.17%95.1%
Q1 202570$678.8M9.62%0.12%1.14%96.9%
Q4 202467$663.3M9.32%0.20%0.99%96.8%
Q3 202467$683.2M9.08%0.13%0.91%97.6%
Q2 202466$669.6M8.91%0.17%0.94%96.9%

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 ratio8.12%
3rd
Total risk-based capital10.39%
49th
Problem loans0.29%
58th
Net charge-offs-0.01%
86th
Return on assets1.19%
47th
Net interest margin4.23%
67th
Efficiency ratio64.8%
43rd
Loans to deposits95.7%
15th
Uninsured deposits8.9%
95th
Loan-loss reserves1.06%
33rd
Texas ratio2.4%
53rd

Similar-size banks in Missouri

InstitutionScoreAssetsCapitalProblem loansCompare
Focus BankBank Charleston, MO75 out of 100, Strong$854.1M12.6%0.85%vs
Freedom Bank of Southern MissouriBank Cassville, MO73 out of 100, Strong$850.1M8.7%0.13%vs
CNB St Louis BankBank Maplewood, MO65 out of 100, Moderate$812.9M9.3%0.57%vs
MRV BanksBank Sainte Genevieve, MO43 out of 100, Below average$803.1M11.5%5.72%vs
Peoples Bank & Trust Co.Bank Troy, MO58 out of 100, Moderate$908.3M10.0%2.27%vs
Stifel Trust Company, National AssociationBank Saint Louis, MO70 out of 100, Strong$911.0M7.5%0.00%vs

Deposit insurance

Is my money safe at PSB Bank?

Yes. PSB Bank is an FDIC-insured institution (FDIC certificate #15264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 8.9% of deposits ($61.5M) 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 8.12%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 10.39% (benchmark: 10%).

Check how much of your own balance is covered

18 locations

Branches

PSB Bank lists 18 offices in 18 cities. Most locations:

  • Bowling Green, MO (1)
  • Clarksville, MO (1)
  • Dardenne Prairie, MO (1)
  • Green City, MO (1)
  • Hermann, MO (1)
  • Hillsboro, MO (1)
  • Kirksville, MO (1)
  • Mexico, MO (1)
  • Milan, MO (1)
  • Montgomery City, MO (1)
  • New Florence, MO (1)
  • New Haven, MO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, PSB Bank reported 202 home-loan applications under HMDA (LEI 2549006YTBW0GRVA9N57): 166 originated ($46,250,000 total), 8 denied, and 26 withdrawn or closed by the applicant. Its denial rate on decided applications was 4.5%, 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
PSB Bank
Former names
Peoples Savings Bank of Rhineland
Type
State-chartered bank
FDIC certificate #
15264
RSSD ID
242257
Primary regulator
FDIC
Holding company
Rhineland Bancshares Inc
Established
August 12, 1935
Headquarters
101 Bluff St, Rhineland, MO 65069
Employees
125

Quick answers

PSB Bank: common questions

Is PSB Bank FDIC insured?

Yes. PSB Bank is an FDIC-insured institution (FDIC certificate #15264). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is PSB Bank's TellerScore?

65 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 PSB Bank ever failed?

There is no failure record for FDIC certificate #15264 in the FDIC failed bank list.

How many branches does PSB Bank have?

18 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Rhineland

InstitutionScoreAssetsCapitalProblem loansCompare
Legends BankBank Linn, MO90 out of 100, Very strong$635.5M18.3%0.51%vs
The Missouri BankBank Warrenton, MO88 out of 100, Very strong$461.5M12.6%0.13%vs
United Security BankBank Fulton, MO85 out of 100, Very strong$97.2M13.4%0.00%vs
Jonesburg State BankBank Jonesburg, MO81 out of 100, Strong$145.6M9.9%0.00%vs
First State Community BankBank Farmington, MO73 out of 100, Strong$4.5B11.7%1.07%vs
Mid America BankBank Jefferson City, MO70 out of 100, Strong$1.2B10.8%0.89%vs