Bank · FDIC insured
PSB Bank
A $854.5M bank headquartered in Rhineland, MO, with 18 branches in Missouri. Best rates: CDs 4.07% and savings 0.10% APY.
PSB Bank Carrot Score
67
Carrot Score
Higher than 18% of U.S. banks and credit unions
#64 of 79 in St. Louis, MO-IL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About PSB Bank
Established in 1935 as Peoples Savings Bank of Rhineland, PSB Bank is a locally owned independent community bank headquartered in Rhineland, Missouri.
After expanding with acquisitions of CBC Bank in 2020 and farmbank in 2025, the bank rebranded to PSB Bank in 2026 and operates 18 locations.
- Headquarters
- 101 Bluff St, Rhineland, MO 65069
- FDIC certificate
- 15264 ↗
Branches
18 branches in Missouri
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Missouri
18 branches
St. Louis area · 8
- Winghaven Branch5000 Winghaven Blvd, Dardenne Prairie, MO 63368Directions
- Hillsboro Branch10625 Business 21, Hillsboro, MO 63050Directions
- New Haven Branch9414 Highway 100, New Haven, MO 63068Directions
- New Melle Branch4900 Highway Z, New Melle, MO 63365Directions
- Pacific Branch1999 W Osage St, Pacific, MO 63069Directions
- Sunset Hills Branch9717 Landmark Parkway Dr, St. Louis, MO 63127Directions
- St. Peters Branch688 Salt Lick Rd, St. Peters, MO 63376Directions
- Troy Branch115 N Lincoln Dr, Troy, MO 63379Directions
Rhineland area · 1
- PSB BankMain office101 Bluff St, Rhineland, MO 65069Directions
Bowling Green area · 1
- Bowling Green Branch901 Business Highway 61 N, Bowling Green, MO 63334Directions
Clarksville area · 1
- Clarksville Branch309 South 2nd Street, Clarksville, MO 63336Directions
Green City area · 1
- Green City Branch1 S Lincoln St, Green City, MO 63545Directions
Hermann area · 1
- Hermann Branch112 W 5th St, Hermann, MO 65041Directions
Kirksville area · 1
- Kirksville Branch3311 N Baltimore St, Kirksville, MO 63501Directions
Mexico area · 1
- Mexico Branch222 S Jefferson St, Mexico, MO 65265Directions
Milan area · 1
- Milan Branch701 N Pearl St, Milan, MO 63556Directions
Montgomery City area · 1
- Montgomery City Branch105 N Sturgeon St, Montgomery City, MO 63361Directions
New Florence area · 1
- New Florence Branch514 Picnic St, New Florence, MO 63363Directions
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 | 8.12% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.29% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.19% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $97 | $81 | — |
- CapitalLeverage ratio8.12%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.29%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.19%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$97Peers’ 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 PSB Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.