Peoples State Bank

Headquarters

2401 North Seth Child Road
Manhattan, KS 66503
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.11% 1.05% →
1-Year CD 0.31% 0.95% →
2-Year CD 0.32% 1.05% →
5-Year CD 0.39% 1.30% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Peoples State Bank is an FDIC insured institution located in Manhattan, KS. It was founded in 1897 and has approximately $0.27 billion in assets. Customers can open an account at one of its 11 branches.

FDIC Insured Yes
FDIC Certificate # 17685
Date Established 1897
Assets $ 265.72 million
Loans $ 195.66 million
Deposits $ 226.14 million
Capital $ 28.39 million
 

For a more detailed analysis of Peoples State Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 28, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Savings
0.11% $2,500 $4,999 Learn More
Money Market
0.11% $2,500 $2,999 Learn More
Money Market
0.12% $10,000 $14,999 Learn More
Money Market
0.12% $25,000 $29,999 Learn More
CD Rates APY MIN MAX
3 Mo CD
0.24% $10,000 $14,999 Learn More
3 Mo CD
0.24% $100,000 $199,999 Learn More
6 Mo CD
0.29% $10,000 $14,999 Learn More
6 Mo CD
0.29% $100,000 $199,999 Learn More
12 Mo CD
0.31% $10,000 $14,999 Learn More
12 Mo CD
0.31% $100,000 $199,999 Learn More
18 Mo CD
0.32% $10,000 $14,999 Learn More
18 Mo CD
0.32% $100,000 $199,999 Learn More
24 Mo CD
0.32% $10,000 $14,999 Learn More
24 Mo CD
0.32% $100,000 $199,999 Learn More
30 Mo CD
0.37% $10,000 $14,999 Learn More
30 Mo CD
0.37% $100,000 $199,999 Learn More
36 Mo CD
0.37% $10,000 $14,999 Learn More
36 Mo CD
0.37% $100,000 $199,999 Learn More
48 Mo CD
0.37% $10,000 $14,999 Learn More
48 Mo CD
0.37% $100,000 $199,999 Learn More
60 Mo CD
0.39% $10,000 $14,999 Learn More
60 Mo CD
0.39% $100,000 $199,999 Learn More

Int Checking Rates APY MIN MAX
Int Ckg
0.09% $2,500 $3,499 Learn MoreShow Less

Loan Rates - September 28, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Peoples State Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,102 $1,021 Learn More
Rocket Mortgage
NMLS ID: 3030
3.998% 3.875% 1.00 $3,750 $1,176 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Peoples State Bank
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Branches

Peoples State Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Peoples State Bank Locations


Financial Details

Peoples State Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Peoples State Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Peoples State Bank U.S. Bank Average
62.05% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Peoples State Bank had $17,714,000 in non-current loans and $459,000 in owned real estate. To cover these potential losses it had $28,387,000 in equity and $900,000 in loans loss reserves. That gives it a Texas Ratio of 62.05%.

Return on Equity
Peoples State Bank U.S. Bank Average
0.67% 7.80%

Peoples State Bank has a Return on Equity of 0.67% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Peoples State Bank U.S. Bank Average
10.68% 12.68%

Peoples State Bank has a Capitalization of 10.68% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Peoples State Bank Balance Sheet Analysis

As of March 31, 2020, Peoples State Bank had assets of $265,723,000, loans of $195,664,000, and deposits of $226,141,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions $ 6.53 million
Interest-bearing balances $ 0.71 million
Total securities $ 7.85 million
Federal funds sold and reverse repurchase $ 32.77 million
Net loans and leases $ 195.66 million
Loan loss allowance $ 0.90 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.46 million
Goodwill and other intangibles $ 2.89 million
All other assets $ 7.55 million
     Total Assets $ 237.34 million
LIABILITIES
Total deposits $ 226.14 million
      Interest-bearing deposits $ 182.58 million
      Deposits held in domestic offices $ 226.14 million
      % insured (estimated) 83.25%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 9.21 million
Subordinated debt N.A.
All other liabilities $ 1.99 million
      Total Liabilities $ 237.34 million
      Shareholders’ Equity $ 28.39 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income $ 3.31 million
Total Interest Expense $ 0.94 million
Net interest income $ 2.37 million
Provision for loan and lease losses $ 0.38 million
Total non interest income $ 0.23 million
Total non interest expense $ 2.31 million
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Peoples State Bank’s loan portfolio are Farm Loans, Commercial and Industrial Loans, and 1-4 Family Residential Loans.

Compared to other banks, Peoples State Bank’s loan portfolio does not show any specific loan specialty.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 15.03
Multifamily
Mortgages
0.29
Credit Card Loans 0.00
Consumer Auto Loans 0.77
Small Business Loans 0.00
Construction and Development Loans 3.45
Commercial Real Estate 8.55
Commercial and Industrial Loans 17.95
Farm Loans 21.59

Frequently Asked Questions About Peoples State Bank

Branches and Savings

Is Peoples State Bank FDIC insured?

Yes. It is covered under FDIC Certificate #17685.

Why does Peoples State Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Peoples State Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Peoples State Bank a commercial bank?

Yes

Where are Peoples State Bank locations?

See branch locations nearby.

Is Peoples State Bank open on Saturdays?

Is Peoples State Bank open on Sundays?

What time does Peoples State Bank open?

What time does Peoples State Bank close?

Are Peoples State Bank ATMs Open 24/7?

Do Peoples State Bank ATMs accept cash deposits?

Can Peoples State Bank customers use other ATMs?

Do Peoples State Bank branches have notaries?

Will Peoples State Bank notarize my document?

What address for Peoples State Bank should I put for incoming ACH transfers?

Will the Peoples State Bank branch print checks?

Do Peoples State Bank checks expire?

Does Peoples State Bank require US citizenship to open account?

Can Peoples State Bank close my account?

Does Peoples State Bank Report to credit bureaus?

Does Peoples State Bank Use Equifax?

What is Peoples State Bank's ACH Routing Number?

What is Peoples State Bank's SWIFT code?

Products

Does Peoples State Bank offer mortgages?

Compare mortgage rates here.

Does Peoples State Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Peoples State Bank offer personal loans?

Compare personal loan rates here.

Does Peoples State Bank offer student loans?

Will Peoples State Bank cash a check?

Will Peoples State Bank redeem a savings bond?

Does Peoples State Bank cash savings bonds?

Will Peoples State Bank cash money orders?

Can Peoples State Bank issue a money order?

Does Peoples State Bank do currency exchange?

Background on The Bank

Who owns Peoples State Bank?

How long has Peoples State Bank been around?

Can Peoples State Bank transfer to other banks?

Does Peoples State Bank have quick pay?

Does Peoples State Bank accept rolled coins?

Will Peoples State Bank accept loose change?

Where is Peoples State Bank headquarters?

Customer Reviews for Peoples State Bank


  • June 09, 2019 |

    CDs 60 Month Rates

    They don't have this rate anymore. 5 year rate is only 3.11

  • May 29, 2019 |

    This rate is not current.

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