Peoples State Bank: how it compares with its peers
Against 32 WI banks with half to twice its assets, Peoples State Bank's strongest measure in Q2 2026 is assets per employee ($8.0M vs. a $7.8M peer median). Its weakest relative measure is efficiency ratio (63.16% vs. 60.10%).
| Measure | Peoples State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.10% | 1.17% | Middle third Ahead of 44% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 3.74% | Middle third Ahead of 44% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.16% | 60.10% | Middle third Ahead of 41% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.0M | $7.8M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 95.37% | 92.53% | Context |
What it means for lending operations
Its efficiency ratio of 63.16% is above the 60.10% 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
- Bankers' Bank Madison, WI · $1.47B
- The Park Bank Madison, WI · $1.54B
- Waukesha State Bank Waukesha, WI · $1.62B
- Horicon Bank Horicon, WI · $1.65B
- Forward Bank Marshfield, WI · $1.28B
- CCFBank National Association Altoona, WI · $1.81B
Questions about Peoples State Bank
How big is Peoples State Bank?
Peoples State Bank, established in 1962, is headquartered in Wausau, WI. It reported $1.50B in total assets in its Q2 2026 FDIC call report and operates 12 offices.
What is Peoples State Bank's return on assets?
1.10% annualized in Q2 2026, against a 1.17% median for 32 WI banks with half to twice its assets, ahead of 44% of them.
What is Peoples State Bank's efficiency ratio?
63.16% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 60.10%, and lower is better.
Is Peoples State Bank growing its loans?
Net loans grew 2.2% over the year to Q2 2026, while deposits grew 0.0%.
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.