Peoples Savings Bank: how it compares with its peers
Against 72 IA banks with half to twice its assets, Peoples Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.7M vs. a $8.1M peer median). Its weakest relative measure is return on assets (0.97% vs. 1.44%).
| Measure | Peoples Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.97% | 1.44% | Bottom third Ahead of 14% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.38% | 3.65% | Bottom third Ahead of 33% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 63.28% | 55.03% | Bottom third Ahead of 18% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.7M | $8.1M | Middle third Ahead of 36% of peers |
| Loans to deposits Net loans and leases over total deposits. | 64.81% | 85.91% | Context |
What it means for lending operations
Its efficiency ratio of 63.28% is above the 55.03% 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
- Community Savings Bank Edgewood, IA · $614M
- Farmers & Merchants Savings Bank Manchester, IA · $617M
- Farmers Trust and Savings Bank Spencer, IA · $618M
- Washington State Bank Washington, IA · $601M
- GNB Bank Grundy Center, IA · $621M
- South Story Bank & Trust Slater, IA · $624M
Questions about Peoples Savings Bank
How big is Peoples Savings Bank?
Peoples Savings Bank, established in 1998, is headquartered in Indianola, IA. It reported $610M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Peoples Savings Bank's return on assets?
0.97% annualized in Q2 2026, against a 1.44% median for 72 IA banks with half to twice its assets, ahead of 14% of them.
What is Peoples Savings Bank's efficiency ratio?
63.28% in Q2 2026: it spent about 63 cents in noninterest expense for each dollar of revenue. The peer median is 55.03%, and lower is better.
Is Peoples Savings Bank growing its loans?
Net loans grew 11.3% over the year to Q2 2026, while deposits grew 9.4%.
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 IA 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 Iowa bank ranked.