Bank · FDIC insured
Peoples Savings Bank
A $189.1M bank headquartered in Wellsburg, IA, with 3 branches in Iowa. Best rates: CDs 4.00% and savings 0.65% APY.
Peoples Savings Bank Carrot Score
76
Carrot Score
Higher than 41% of U.S. banks and credit unions
#12 of 20 in Waterloo, IA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Peoples Savings Bank
Peoples Savings Bank is an independent community bank with locations in Wellsburg, Dike, and Cleves, Iowa, solely owned by bank holding company PSB Corporation.
- Headquarters
- 414 N Adams St, Wellsburg, IA 50680
- FDIC certificate
- 14868 ↗
Branches
3 branches in Iowa
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Iowa
3 branches
Waterloo area · 2
- Peoples Savings BankMain office414 N Adams St, Wellsburg, IA 50680Directions
- Dike Branch233 W Dike Rd, Dike, IA 50624Directions
Ackley area · 1
- Cleves Branch33149 159th Street, Ackley, IA 50601Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 9.89% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.19% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.81% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $101 | $81 | — |
- CapitalLeverage ratio9.89%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.19%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.81%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$101Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Peoples Savings Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.