The Peoples State Bank is a state-chartered bank headquartered in Cherryvale, Kansas, in business for about 146 years. At the end of Q2 2026 it reported $23.5M in total assets and $17.4M in deposits, with 1 office.
Based on its Q2 2026 filing, The Peoples State Bank scores 89/100, which we describe as very strong. That is higher than 87% of 546 banks with under $100 million in assets. Among 185 banks headquartered in Kansas, it ranks 17th. Its strongest component is capital cushion (100/100; 19.83%), and its lowest is funding & liquidity (49/100; 118% loans-to-deposits, 17% uninsured).
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 rose 3 points (86 → 89), mostly because the loan quality component improved by 10 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 87 |
| Q3 2024 | 83 |
| Q4 2024 | 78 |
| Q1 2025 | 88 |
| Q2 2025 | 86 |
| Q3 2025 | 87 |
| Q4 2025 | 86 |
| Q1 2026 | 88 |
| Q2 2026 | 89 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 23.52% |
| Q3 2024 | 24.01% |
| Q4 2024 | 22.78% |
| Q1 2025 | 23.08% |
| Q2 2025 | 22.61% |
| Q3 2025 | 23.56% |
| Q4 2025 | 20.42% |
| Q1 2026 | 19.56% |
| Q2 2026 | 19.83% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.52% |
| Q3 2024 | 0.97% |
| Q4 2024 | 1.54% |
| Q1 2025 | 0.33% |
| Q2 2025 | 0.64% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.33% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 3.47% |
| Q3 2024 | 3.47% |
| Q4 2024 | 3.45% |
| Q1 2025 | 3.43% |
| Q2 2025 | 3.43% |
| Q3 2025 | 3.43% |
| Q4 2025 | 3.27% |
| Q1 2026 | 3.02% |
| Q2 2026 | 2.87% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 89 | $23.5M | 19.83% | 0.33% | 2.87% | 117.7% |
| Q1 2026 | 88 | $24.1M | 19.56% | 0.45% | 3.02% | 117.8% |
| Q4 2025 | 86 | $23.8M | 20.42% | 0.68% | 3.27% | 117.1% |
| Q3 2025 | 87 | $19.9M | 23.56% | 0.53% | 3.43% | 128.7% |
| Q2 2025 | 86 | $19.7M | 22.61% | 0.64% | 3.43% | 109.9% |
| Q1 2025 | 88 | $21.1M | 23.08% | 0.33% | 3.43% | 114.0% |
| Q4 2024 | 78 | $20.3M | 22.78% | 1.54% | 3.45% | 120.7% |
| Q3 2024 | 83 | $19.8M | 24.01% | 0.97% | 3.47% | 114.8% |
| Q2 2024 | 87 | $18.8M | 23.52% | 0.52% | 3.47% | 121.8% |
546 peers · Under $100 million in assets
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 Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Dickinson County BankBank Enterprise, KS | 73 out of 100, Strong | $23.4M | 13.7% | 2.09% | vs |
| The Baxter State BankBank Baxter Springs, KS | 84 out of 100, Strong | $25.2M | 19.7% | 1.11% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| The Farmers State BankBank Fairview, KS | 75 out of 100, Strong | $26.6M | 10.2% | 0.66% | vs |
| The Farmers State BankBank Dwight, KS | 48 out of 100, Below average | $19.5M | 10.5% | 6.76% | vs |
| The Liberty Savings Association, FSABank Fort Scott, KS | 86 out of 100, Very strong | $28.2M | 24.1% | 0.00% | vs |
Deposit insurance
Is my money safe at The Peoples State Bank?
Yes. The Peoples State Bank is an FDIC-insured institution (FDIC certificate #16744). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 16.5% of deposits ($2.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 19.83%, 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%).
1 location
Branches
The Peoples State Bank lists 1 office in 1 city. Most locations:
- Cherryvale, KS (1)
Identity & history
Profile
- Legal name
- The Peoples State Bank
- Type
- State-chartered bank
- FDIC certificate #
- 16744
- RSSD ID
- 741358
- Primary regulator
- FDIC
- Holding company
- First Howard Bankshares Inc
- Established
- January 1, 1880
- Headquarters
- 200 W Main St, Cherryvale, KS 67335
- Website
- www.psbcherryvale.com
- Employees
- 5
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 #16744). 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?
89 out of 100 (Very 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 #16744 in the FDIC failed bank list.
How many branches does The Peoples State Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cherryvale
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank in FredoniaBank Fredonia, KS | 87 out of 100, Very strong | $104.4M | 16.7% | 0.63% | vs |
| Exchange State BankBank Saint Paul, KS | 84 out of 100, Strong | $105.0M | 11.6% | 0.00% | vs |
| Kansas Teachers Community Credit UnionCredit union Pittsburg, KS | 83 out of 100, Strong | $125.3M | 15.3% | 1.24% | vs |
| Co-Operative Credit UnionCredit union Coffeyville, KS | 77 out of 100, Strong | $21.2M | 13.6% | 1.31% | vs |
| Solutions North BankBank Stockton, KS | 77 out of 100, Strong | $469.5M | 10.9% | 0.28% | vs |
| Welch State Bank of Welch, Okla.Bank Welch, OK | 76 out of 100, Strong | $449.8M | 10.2% | 0.36% | vs |