TellerScore

The Peoples State Bank (FDIC certificate #14113) is based in Ellettsville, Indiana. Its Q2 2026 call report shows $506.6M in total assets and $444.3M in deposits and 15 offices.

Based on its Q2 2026 filing, The Peoples State Bank scores 78/100, which we describe as strong. That is higher than 72% of 2,650 banks with $100 million – $1 billion. Among 88 banks headquartered in Indiana, it ranks 14th. Its strongest component is problem-loan coverage (98/100; 1.1%), and its lowest is capital cushion (55/100; 10.47%).

TellerScore · Q2 2026

Scorecard

Capital cushion55/100
Tier 1 leverage ratio: 10.47%
Loan quality94/100
Noncurrent loans ÷ total loans: 0.19%
Earnings79/100
Return on assets (annualized): 1.48%
Funding & liquidity82/100
Loans ÷ deposits and uninsured-deposit share: 61.8% · 29.5% uninsured
Problem-loan coverage98/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.06%

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 4 points (74 → 78), mostly because the earnings component improved by 17 points.

TellerScore
737678Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202576
Q2 202574
Q3 202574
Q4 202573
Q1 202678
Q2 202678
Tier 1 leverage ratio
5.00%7.86%10.73%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.95%
Q3 202410.15%
Q4 202410.08%
Q1 202510.43%
Q2 202510.51%
Q3 202510.66%
Q4 202510.51%
Q1 202610.73%
Q2 202610.47%
Noncurrent loans
0.00%0.21%0.41%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.02%
Q4 20240.09%
Q1 20250.06%
Q2 20250.26%
Q3 20250.41%
Q4 20250.41%
Q1 20260.19%
Q2 20260.19%
Return on assets
0.94%1.21%1.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.94%
Q3 20240.97%
Q4 20241.00%
Q1 20251.00%
Q2 20251.06%
Q3 20251.16%
Q4 20251.12%
Q1 20261.36%
Q2 20261.48%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202678$506.6M10.47%0.19%1.48%61.8%
Q1 202678$487.4M10.73%0.19%1.36%63.5%
Q4 202573$482.0M10.51%0.41%1.12%63.7%
Q3 202574$468.6M10.66%0.41%1.16%64.0%
Q2 202574$465.0M10.51%0.26%1.06%63.0%
Q1 202576$458.4M10.43%0.06%1.00%63.7%
Q4 202475$466.4M10.08%0.09%1.00%59.5%
Q3 202476$459.9M10.15%0.02%0.97%61.5%
Q2 202475$457.7M9.95%0.00%0.94%60.1%

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 ratio10.47%
41st
Total risk-based capital0.00%
24th
Problem loans0.19%
66th
Net charge-offs-0.00%
79th
Return on assets1.48%
64th
Net interest margin3.73%
38th
Efficiency ratio64.5%
44th
Loans to deposits61.8%
81st
Uninsured deposits29.5%
30th
Loan-loss reserves1.01%
28th
Texas ratio1.1%
68th

Similar-size banks in Indiana

InstitutionScoreAssetsCapitalProblem loansCompare
The Napoleon State BankBank Napoleon, IN70 out of 100, Strong$499.2M11.1%1.10%vs
The Friendship State BankBank Friendship, IN66 out of 100, Moderate$543.8M8.8%0.37%vs
Security Federal Savings BankBank Logansport, IN68 out of 100, Moderate$464.4M11.0%0.31%vs
Community State BankBank Avilla, IN63 out of 100, Moderate$553.6M9.5%0.48%vs
First Federal Savings BankBank Huntington, IN54 out of 100, Below average$553.6M10.5%1.88%vs
The Bippus State BankBank Huntington, IN76 out of 100, Strong$458.9M12.0%0.86%vs

Deposit insurance

Is my money safe at The Peoples State Bank?

Yes. The Peoples State Bank is an FDIC-insured institution (FDIC certificate #14113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.5% of deposits ($131.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.47%, 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%).

Check how much of your own balance is covered

15 locations

Branches

The Peoples State Bank lists 10 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Peoples State Bank reported 208 home-loan applications under HMDA (LEI 549300GQOPGZ1DO0MZ49): 179 originated ($43,925,000 total), 11 denied, and 15 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.7%, 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
The Peoples State Bank
Type
State-chartered bank
FDIC certificate #
14113
RSSD ID
454546
Primary regulator
FDIC
Holding company
Ellettsville Bancshares Inc
Established
January 1, 1904
Headquarters
601 E Temperance St, Ellettsville, IN 47429
Employees
94

Quick answers

The Peoples State Bank: common questions

Is The Peoples State Bank FDIC insured?

Yes. The Peoples State Bank is an FDIC-insured institution (FDIC certificate #14113). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Peoples State Bank's TellerScore?

78 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 The Peoples State Bank ever failed?

There is no failure record for FDIC certificate #14113 in the FDIC failed bank list.

How many branches does The Peoples State Bank have?

15 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ellettsville

InstitutionScoreAssetsCapitalProblem loansCompare
German American BankBank Jasper, IN75 out of 100, Strong$8.4B11.2%0.45%vs
Indiana Members Credit UnionCredit union Indianapolis, IN74 out of 100, Strong$3.6B10.6%0.49%vs
Union Savings BankBank Cincinnati, OH74 out of 100, Strong$4.0B10.5%0.70%vs
Centra Credit UnionCredit union Columbus, IN73 out of 100, Strong$2.4B12.3%0.96%vs
Indiana University Credit UnionCredit union Bloomington, IN72 out of 100, Strong$2.1B11.8%0.67%vs
Home Bank SBBank Martinsville, IN71 out of 100, Strong$433.1M12.5%0.86%vs