Side-by-side · Q2 2026 data
Kerndt Brothers Savings Bank vs Peoples State Bank
Metric by metric
| Measure | Kerndt Brothers Savings Bank | Peoples State Bank |
|---|---|---|
| TellerScore | 79 | 80 (stronger) |
| Capital cushion | 59 | 65 (stronger) |
| Loan quality | 78 | 93 (stronger) |
| Earnings | 100 (stronger) | 79 |
| Funding & liquidity | 86 (stronger) | 78 |
| Problem-loan coverage | 93 | 98 (stronger) |
| Peer percentile | 75th | 77th |
| Total assets | $347.2M | $993.0M |
| Deposits / shares | $282.8M | $810.8M |
| Capital ratio | 10.88% | 11.54% (stronger) |
| Problem loans | 0.65% | 0.21% (stronger) |
| Net charge-offs | 0.00% | -0.04% (stronger) |
| Return on assets | 2.48% (stronger) | 1.47% |
| Loans ÷ deposits | 71.5% (stronger) | 78.6% |
| Uninsured deposits | 17.3% (stronger) | 18.1% |
| Offices | 6 | 19 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 22.4% | 6.2% |
Peoples State Bank has the higher TellerScore (80 vs 79). On the 7 directional measures above (where higher or lower is clearly better), Kerndt Brothers Savings Bank leads on 3 and Peoples State Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Waukon, IA