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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Boonville, IN · FDIC certificate #13113
PEOPLES TRUST&SAVINGS BANK is an FDIC-insured institution based in Boonville, IN (FDIC certificate #13113). In its Q3 2026 Call Report it reported total assets of $236M, total deposits of $195M and net loans of $173M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES TRUST&SAVINGS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $248M in Q1 2026 and were lowest at $236M in Q3 2026.
Total deposits were highest at $200M in Q1 2026 and lowest at $192M in Q2 2026.
Over the whole period total assets fell 4.9%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $236M | $195M | $173M | 0.13% | 1.14% | 2.76% |
| Q2 2026 | $241M | $192M | $174M | 0.11% | 1.00% | 2.70% |
| Q1 2026 | $248M | $200M | $173M | -0.11% | -0.93% | 2.60% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.7M | $14.8M | -$5.0M | -34.2% |
| Federal funds sold | $953K | $2.6M | -$1.6M | -62.7% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $44.7M | $46.2M | -$1.5M | -3.3% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $173.9M | $173.2M | +$640K | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.0M | $7.1M | -$118K | -1.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $77K | $80K | -$3K | -3.8% |
| All other assets | $4.3M | $4.4M | -$58K | -1.3% |
| Total assets | $240.6M | $248.4M | -$7.7M | -3.1% |
| Liabilities | ||||
| Total deposits | $192.4M | $199.9M | -$7.6M | -3.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $20.0M | $20.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $576K | $643K | -$67K | -10.4% |
| Total liabilities | $212.9M | $220.6M | -$7.6M | -3.5% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $100K | $100K | $0K | 0.0% |
| Surplus | $13.5M | $13.7M | -$181K | -1.3% |
| Retained earnings | $18.1M | $18.0M | +$100K | +0.6% |
| Accumulated other comprehensive income | -$4.0M | -$3.8M | -$188K | -4.9% |
| Other equity components | $0K | -$181K | +$181K | +100.0% |
| Total equity capital | $27.7M | $27.8M | -$88K | -0.3% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.7M | $4.2M | -$577K | -13.6% |
| Adjusted nonperforming assets | $3.7M | $4.2M | -$577K | -13.6% |
| Tangible equity plus allowance | $29.3M | $29.4M | -$84K | -0.3% |
| Texas ratio (gross) | 12.51% | 14.44% | -1.93 pts | See points |
| Texas ratio (adjusted) | 12.51% | 14.44% | -1.93 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 15.36% | 14.71% | +0.65 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.96% | 12.83% | +0.13 pts | See points |
| Construction and land loans to total capital | 9.25% | 11.61% | -2.35 pts | See points |
| Commercial real estate to total capital | 47.42% | 53.57% | -6.15 pts | See points |
| Dividend payout, year to date | 74.82% | Not reported | Not reported | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -12.64% | -12.08% | -0.56 pts | See points |
| Liquidity | ||||
| Core deposits | $176.7M | $180.3M | -$3.6M | -2.0% |
| Non-core funding | $35.7M | $39.7M | -$4.0M | -10.1% |
| Loans to core deposits | 99.35% | 97.03% | +2.32 pts | See points |
| Loans to deposits | 91.26% | 87.48% | +3.78 pts | See points |
| Brokered deposits share of deposits | 0.13% | 0.13% | +0.00 pts | See points |
| Pledged securities share of securities | 0.00% | 0.00% | 0.00 pts | See points |
| Loans pledged, share of loans | 66.17% | 66.60% | -0.44 pts | See points |
| Volatile liabilities | $35.7M | $39.7M | -$4.0M | -10.1% |
| Earnings | ||||
| Earnings before provision, year to date | $229K | $25K | +$204K | +816.0% |
| Earnings before provision, single quarter | $204K | $25K | +$179K | +716.0% |
| Provision for credit losses, year to date | $90K | $90K | $0K | 0.0% |
| Yield and cost | ||||
| Yield on loans and leases | 4.99% | 4.83% | +0.16 pts | See points |
| Yield on interest-bearing balances due from banks | 3.17% | 2.66% | +0.51 pts | See points |
| Total interest income to average assets | 4.56% | 4.43% | +0.13 pts | See points |
| Cost of interest-bearing transaction accounts | 0.40% | 0.37% | +0.03 pts | See points |
| Cost of savings and money market deposits | 2.20% | 2.10% | +0.09 pts | See points |
| Cost of time deposits | 3.51% | 3.71% | -0.20 pts | See points |
| Total interest expense to average assets | 1.92% | 1.97% | -0.05 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $236M | $195M | $173M | 0.13% | 1.14% | 2.76% |
| 2026-06-30 | $241M | $192M | $174M | 0.11% | 1.00% | 2.70% |
| 2026-03-31 | $248M | $200M | $173M | -0.11% | -0.93% | 2.60% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| IN | $196.2M | 0.09% | 93 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.