PSB Bank: how it compares with its peers
Against 55 MO banks with half to twice its assets, PSB Bank's strongest measure in Q2 2026 is net interest margin (4.23% vs. a 4.22% peer median). Its weakest relative measure is return on assets (1.19% vs. 1.63%).
| Measure | PSB Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.19% | 1.63% | Bottom third Ahead of 18% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.23% | 4.22% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.84% | 54.02% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.8M | $7.0M | Middle third Ahead of 42% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.67% | 88.92% | Context |
What it means for lending operations
Its efficiency ratio of 64.84% is above the 54.02% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Focus Bank Charleston, MO · $854M
- Freedom Bank of Southern Missouri Cassville, MO · $850M
- CNB St Louis Bank Maplewood, MO · $813M
- MRV Banks Sainte Genevieve, MO · $803M
- Peoples Bank & Trust Co. Troy, MO · $908M
Questions about PSB Bank
How big is PSB Bank?
PSB Bank, established in 1935, is headquartered in Rhineland, MO. It reported $854M in total assets in its Q2 2026 FDIC call report and operates 18 offices.
What is PSB Bank's return on assets?
1.19% annualized in Q2 2026, against a 1.63% median for 55 MO banks with half to twice its assets, ahead of 18% of them.
What is PSB Bank's efficiency ratio?
64.84% in Q2 2026: it spent about 65 cents in noninterest expense for each dollar of revenue. The peer median is 54.02%, and lower is better.
Is PSB Bank growing its loans?
Net loans grew 20.2% over the year to Q2 2026, while deposits grew 19.4%.
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 MO 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 Missouri bank ranked.