Peoples State Bank of Munising
Total assets
$190.4M
▼ -4.1% YoY
Deposits
$142.0M
▼ -5.2% YoY
Loans
$108.5M
▼ -3.3% YoY
Offices
5
PEOPLES STATE BCORP INC
ROA (annualized)
0.43%
peers 1.24%
ROE (annualized)
3.56%
peers 11.87%
Peer comparison 1,900 banks with 100M-500M in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -4.1% | +4.4% | -8.5 pts |
| Deposit growth (YoY) | -5.2% | +4.0% | -9.2 pts |
| Loan growth (YoY) | -3.3% | +5.6% | -8.9 pts |
| ROA | 0.43% | 1.24% | -0.8 pts |
| ROE | 3.6% | 11.9% | -8.3 pts |
ROA ranks in the 11th percentile of its peer group · Q2 2026
Profile
- Established
- 1910
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- PEOPLES STATE BCORP INC
- Specialization
- Commercial Lending Specialization
- Address
- 100 E Superior St, Munising, MI, 49862
- County
- Alger
- Offices
- 5
- FDIC cert #
- 15165
- RSSD ID
- 262956
- 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 | $190.4M | $142.0M | $108.5M | $22.9M | $402K | 0.43% | 3.36% | 1.97% |
| Q1 2026 | $188.1M | $143.3M | $108.6M | $22.5M | $196K | 0.42% | 3.27% | 2.11% |
| Q4 2025 | $182.3M | $139.2M | $104.9M | $22.4M | $1.4M | 0.71% | 3.24% | 1.96% |
| Q3 2025 | $194.0M | $152.5M | $111.8M | $22.1M | $852K | 0.57% | 3.20% | 2.29% |
| Q2 2025 | $198.5M | $149.9M | $112.2M | $21.2M | $522K | 0.52% | 3.02% | 0.74% |
| Q1 2025 | $201.7M | $153.0M | $113.0M | $20.5M | $253K | 0.50% | 2.98% | 0.71% |
| Q4 2024 | $200.6M | $146.9M | $114.6M | $19.5M | $1.3M | 0.65% | 2.90% | 0.72% |
| Q3 2024 | $206.2M | $155.6M | $113.4M | $20.5M | $1.1M | 0.71% | 2.94% | 0.70% |
Loan mix (Q2 2026): real estate $90.2M · commercial $16.3M · consumer $3.9M · securities $56.7M
Ratio pack Q2 2026 · peer medians from 1900 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.43% | 1.24% | 11th | |
Return on equity Annualized net income ÷ equity or net worth | 3.6% | 11.9% | 10th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.36% | 3.96% | 22th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 62.9% | 89th | |
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 | Value | 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 | Value | 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 | Value | 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 | Value | 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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