The Peoples State Bank: how it compares with its peers
Against 16 KS banks with half to twice its assets, The Peoples State Bank's strongest measure in Q2 2026 is efficiency ratio (49.35% vs. a 70.92% peer median). Its weakest relative measure is assets per employee ($4.7M vs. $5.7M).
| Measure | The Peoples State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.87% | 0.95% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 5.59% | 3.74% | Top third Ahead of 94% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 49.35% | 70.92% | Top third Ahead of 100% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.7M | $5.7M | Middle third Ahead of 38% of peers |
| Loans to deposits Net loans and leases over total deposits. | 117.67% | 51.90% | Context |
What it means for lending operations
Its efficiency ratio of 49.35% is better than the 70.92% 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 Dickinson County Bank Enterprise, KS · $23M
- The Baxter State Bank Baxter Springs, KS · $25M
- National Advisors Trust Company Leawood, KS · $22M
- The Farmers State Bank Fairview, KS · $27M
- The Farmers State Bank Dwight, KS · $20M
- The Liberty Savings Association, FSA Fort Scott, KS · $28M
Questions about The Peoples State Bank
How big is The Peoples State Bank?
The Peoples State Bank, established in 1880, is headquartered in Cherryvale, KS. It reported $23M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Peoples State Bank's return on assets?
2.87% annualized in Q2 2026, against a 0.95% median for 16 KS banks with half to twice its assets, ahead of 94% of them.
What is The Peoples State Bank's efficiency ratio?
49.35% in Q2 2026: it spent about 49 cents in noninterest expense for each dollar of revenue. The peer median is 70.92%, and lower is better.
Is The Peoples State Bank growing its loans?
Net loans grew 26.1% over the year to Q2 2026, while deposits grew 17.8%.
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 KS 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 Kansas bank ranked.