Side-by-side · Q2 2026 data
Peoples State Bank vs Decorah Bank & Trust Company
Metric by metric
| Measure | Peoples State Bank | Decorah Bank & Trust Company |
|---|---|---|
| TellerScore | 80 (stronger) | 74 |
| Capital cushion | 65 (stronger) | 54 |
| Loan quality | 93 (stronger) | 84 |
| Earnings | 79 | 87 (stronger) |
| Funding & liquidity | 78 (stronger) | 64 |
| Problem-loan coverage | 98 (stronger) | 93 |
| Peer percentile | 77th | 57th |
| Total assets | $993.0M | $794.1M |
| Deposits / shares | $810.8M | $694.7M |
| Capital ratio | 11.54% (stronger) | 10.41% |
| Problem loans | 0.21% (stronger) | 0.49% |
| Net charge-offs | -0.04% (stronger) | 0.09% |
| Return on assets | 1.47% | 1.67% (stronger) |
| Loans ÷ deposits | 78.6% (stronger) | 82.0% |
| Uninsured deposits | 18.1% (stronger) | 27.7% |
| Offices | 19 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 6.2% | — |
Peoples State Bank has the higher TellerScore (80 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Peoples State Bank leads on 6 and Decorah Bank & Trust Company on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.