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The Peoples State Bank
Ellettsville, IN · FDIC Certificate #14113 · Chartered 01/0
Total assets
$506.62M
Total deposits
$444.32M
Total equity
$47.34M
Net loans
$274.57M
Branches (offices)
10
Net income (YTD)
$3.64M
Rank: #1,770 of 4,213 U.S. banks by assets · #40 of 87 in Indiana. Assets changed 9.0% and deposits 9.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.48% |
| Return on equity | 15.72% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 9.34% |
| Tier 1 leverage ratio | 10.47% |
| Uninsured deposits (share of deposits) | 29.5% |
| Noncurrent loans (share of loans) | 0.19% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 61.8% |
| Real estate loans (share of loans) | 88.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $242.64M | 88.4% | |
| Commercial & industrial | $21.68M | 7.9% | |
| Consumer / individual | $3.24M | 1.2% | |
| Construction & development | $28.84M | 10.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $421.04M | $376.92M | $2.11M | $34.41M |
| Jun 2023 | $454.15M | $405.42M | $1.53M | $33.88M |
| Jun 2024 | $457.75M | $404.33M | $2.12M | $36.77M |
| Jun 2025 | $464.99M | $406.32M | $2.45M | $41.61M |
| Jun 2026 | $506.62M | $444.32M | $3.64M | $47.34M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $444.32M | 10 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $444.32M.
Similar-sized banks
Mega Bank ($506.66M) · First Community Bank Of The Heartland, Inc. ($505.97M)
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.
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