Peoples State Bank: how it compares with its peers
Against 52 WI banks with half to twice its assets, Peoples State Bank's strongest measure in Q2 2026 is return on assets (1.47% vs. a 1.20% peer median). Its weakest relative measure is assets per employee ($6.7M vs. $7.5M).
| Measure | Peoples State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.47% | 1.20% | Top third Ahead of 67% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.74% | 3.79% | Middle third Ahead of 42% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 58.70% | 61.14% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $7.5M | Bottom third Ahead of 31% of peers |
| Loans to deposits Net loans and leases over total deposits. | 78.56% | 90.04% | Context |
What it means for lending operations
Its efficiency ratio of 58.70% is better than the 61.14% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- The Port Washington State Bank Port Washington, WI · $1.01B
- River Bank Stoddard, WI · $1.02B
- Prevail Bank Medford, WI · $1.03B
- The Farmers & Merchants Bank Berlin, WI · $949M
- Security Financial Bank Durand, WI · $1.04B
- Bank Cmg Madison, WI · $1.06B
Questions about Peoples State Bank
How big is Peoples State Bank?
Peoples State Bank, established in 1915, is headquartered in Prairie Du Chien, WI. It reported $993M in total assets in its Q2 2026 FDIC call report and operates 19 offices.
What is Peoples State Bank's return on assets?
1.47% annualized in Q2 2026, against a 1.20% median for 52 WI banks with half to twice its assets, ahead of 67% of them.
What is Peoples State Bank's efficiency ratio?
58.70% in Q2 2026: it spent about 59 cents in noninterest expense for each dollar of revenue. The peer median is 61.14%, and lower is better.
Is Peoples State Bank growing its loans?
Net loans grew 13.3% over the year to Q2 2026, while deposits grew 1.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are WI banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Wisconsin bank ranked.