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The Peoples State Bank
Cherryvale, KS · FDIC Certificate #16744 · Chartered 01/0
Total assets
$23.49M
Total deposits
$17.41M
Total equity
$4.75M
Net loans
$20.49M
Branches (offices)
1
Net income (YTD)
$342.00K
Rank: #4,174 of 4,213 U.S. banks by assets · #178 of 183 in Kansas. Assets changed 19.4% and deposits 17.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 2.87% |
| Return on equity | 14.46% |
| Net interest margin (YTD) | 5.59% |
| Equity to assets | 20.20% |
| Tier 1 leverage ratio | 19.83% |
| Uninsured deposits (share of deposits) | 16.5% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | -0.07% |
| Loans to deposits | 117.7% |
| Real estate loans (share of loans) | 43.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $8.88M | 43.3% | |
| Commercial & industrial | $1.78M | 8.7% | |
| Consumer / individual | $854.00K | 4.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $9.19M | 44.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $18.67M | $13.91M | $238.00K | $4.67M |
| Jun 2023 | $17.11M | $12.28M | $279.00K | $4.73M |
| Jun 2024 | $18.85M | $13.24M | $326.00K | $4.71M |
| Jun 2025 | $19.66M | $14.78M | $349.00K | $4.75M |
| Jun 2026 | $23.49M | $17.41M | $342.00K | $4.75M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Kansas | $17.41M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $17.41M.
Similar-sized banks
First State Bank Of Swanville ($23.80M) · The Mt. Victory State Bank ($23.40M)
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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