Advertisement
Peoples State Bank Of Munising
Munising, MI · FDIC Certificate #15165 · Chartered 06/0
Total assets
$190.38M
Total deposits
$142.03M
Total equity
$22.88M
Net loans
$108.52M
Branches (offices)
5
Net income (YTD)
$402.00K
Rank: #3,044 of 4,213 U.S. banks by assets · #55 of 72 in Michigan. Assets changed -4.1% and deposits -5.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.43% |
| Return on equity | 3.56% |
| Net interest margin (YTD) | 3.36% |
| Equity to assets | 12.02% |
| Tier 1 leverage ratio | 12.75% |
| Uninsured deposits (share of deposits) | 26.0% |
| Noncurrent loans (share of loans) | 3.39% |
| Net charge-offs (share of loans) | 0.03% |
| Loans to deposits | 76.4% |
| Real estate loans (share of loans) | 83.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $90.25M | 83.2% | |
| Commercial & industrial | $16.31M | 15.0% | |
| Consumer / individual | $3.90M | 3.6% | |
| Construction & development | $3.33M | 3.1% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $192.63M | $175.02M | $792.00K | $15.90M |
| Jun 2023 | $199.43M | $168.85M | $629.00K | $15.86M |
| Jun 2024 | $205.45M | $151.89M | $688.00K | $18.43M |
| Jun 2025 | $198.52M | $149.88M | $522.00K | $21.16M |
| Jun 2026 | $190.38M | $142.03M | $402.00K | $22.88M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Michigan | $142.03M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $142.03M.
Similar-sized banks
First State Bank Shannon-Polo ($190.46M) · Fowler State Bank ($190.33M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
Advertisement