Peoples State Bank
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 17.6 and a capital leverage ratio of 11.5. A current level of 1.7 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (8.5).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.1%, coupled with a return on assets of 1.1 has resulted in Fair (4.2) profitability.
Asset Mix:
Securities (31%), home mtgs (11%), comm re (10%), comm loans (7%), cash (2%), home eq lns (1%), consumer loans (1%), other (37%)
States with Branches:
IA, WI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Peoples Bancorp, Inc.
Investment Rating
--
Address
301 East Blackhawk Avenue
Prairie du Chien, WI 53821
Prairie du Chien, WI 53821
Phone Number
(608) 326-3500
Year Founded
1915
FDIC Number
Website
Largest Affiliates
No affiliate information available.