Peoples Savings Bank
Total assets
$610.4M
▲ +10.4% YoY
Deposits
$533.7M
▲ +9.4% YoY
Loans
$345.9M
▲ +11.3% YoY
Offices
8
CENTRAL SOUTH BCORP INC
ROA (annualized)
0.97%
peers 1.28%
ROE (annualized)
14.47%
peers 12.44%
Peer comparison 748 banks with 500M-1B in assets
| Metric | Peoples Savings Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +10.4% | +4.9% | +5.5 pts |
| Deposit growth (YoY) | +9.4% | +4.3% | +5.1 pts |
| Loan growth (YoY) | +11.3% | +5.3% | +6.0 pts |
| ROA | 0.97% | 1.28% | -0.3 pts |
| ROE | 14.5% | 12.4% | +2.0 pts |
ROA ranks in the 29th percentile of its peer group · Q2 2026
Profile
- Established
- 1998
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- CENTRAL SOUTH BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 400 E Iowa Ave, Indianola, IA, 50125
- County
- Warren
- Metro area
- Des Moines-West Des Moines, IA
- Offices
- 8
- FDIC cert #
- 34973
- RSSD ID
- 2732565
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $610.4M | $533.7M | $345.9M | $43.3M | $3.0M | 0.97% | 3.38% | 0.54% |
| Q1 2026 | $652.1M | $582.1M | $331.6M | $39.5M | $1.3M | 0.85% | 3.22% | 0.53% |
| Q4 2025 | $575.8M | $514.7M | $327.9M | $40.2M | $4.7M | 0.81% | 3.25% | 0.60% |
| Q3 2025 | $597.3M | $540.1M | $315.6M | $37.0M | $3.1M | 0.72% | 3.14% | 0.64% |
| Q2 2025 | $553.1M | $487.7M | $310.7M | $32.4M | $1.7M | 0.58% | 3.06% | 0.76% |
| Q1 2025 | $591.8M | $526.4M | $301.3M | $32.5M | $449K | 0.31% | 2.86% | 1.53% |
| Q4 2024 | $563.8M | $499.9M | $293.1M | $32.2M | $2.0M | 0.37% | 3.15% | 1.55% |
| Q3 2024 | $602.2M | $525.9M | $293.7M | $35.6M | $3.9M | 0.95% | 3.31% | 1.96% |
Loan mix (Q2 2026): real estate $194.8M · commercial $115.5M · consumer $1.9M · securities $210.9M
Ratio pack Q2 2026 · peer medians from 748 institutions
Profitability
| Ratio | Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.97% | 1.28% | 29th | |
Return on equity Annualized net income ÷ equity or net worth | 14.5% | 12.4% | 64th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.38% | 3.89% | 23th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 63.3% | 61.2% | 57th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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