FDIC Cert #14522 · Clarinda, Iowa · Est. 1866

PCSB Bank - FDIC Bank Health Profile

A community-scale look at PCSB Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$337M
Total assets
B
Health grade · Good
0.71%
Return on assets
10.8%
Tier 1 capital

Data updated July 2026

The verdict

PCSB Bank earns a PlainBankData health grade of B (66/100), with well-capitalized at 10.81% Tier 1, 0.71% ROA, 74% efficiency ratio.

#2,327
largest of 4,313 FDIC banks by assets
46th
percentile by asset size, nationally
10.81%
Tier 1 ratio - above the 10% well-capitalized line
25th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 14522 · IA B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3432/4307
  • PHOTO-FINISH First National Bank… · IL
  • TIER1-WELL 10.8% Tier 1
  • TEXAS-CLEAN 1.0% Texas
  • ROA-THIN 0.71% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Iowa: First National Bank in Olney, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around PCSB Bank

Lowest and highest poles plus nearest scored peers outside Iowa, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100First National Bank… · IL · …66/100Odin State Bank · MN · near66/100PCSB Bank · IA · this bank66/100The First National B… · IL ·…66/100Williamstown Bank, I… · WV ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around PCSB Bank · July 2026

What PCSB Bank's Call Report plate shows

PCSB Bank (FDIC Cert #14522) carries a PlainBankData health grade of B at 66/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,432 of 4,307. Tier 1 capital prints at 10.81%, clearing the 10% well-capitalized line. The Texas Ratio is 0.96%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.71%. Balance-sheet scale is $337M, 2,327th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First National Bank in Olney (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around PCSB Bank

4 FAILURE resolutions in Iowa since 2000 (3 since 2008)

PCSB Bank's home state sits in the middle band of post-2000 FAILURE counts (4; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; PCSB Bank remains an active FDIC-insured reporter.

  • CITIZENS BANK SAC CITY, IA 2023 → IOWA TRUST & SAVINGS BANK
  • POLK COUNTY BANK JOHNSTON, IA 2011 → GRINNELL STATE BANK
  • VANTUS BANK SIOUX CITY, IA 2009 → GREAT SOUTHERN BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Iowa banks.

How PCSB Bank's 66/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10066/100
PCSB Bank's composite health score
Tier 1 Capital Ratio (10.81%) 28/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (0.96%) 20/20
Efficiency Ratio (74.47%) 4/15

66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$337M

Total balance-sheet footings

Total Deposits

$307M

Customer-funded liabilities

Net Loans

$179M

Outstanding loan book

Net Income

$2M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.41% 10.81% 12.21%
Basel III capital ratios - PCSB Bank

Where PCSB Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. PCSB Bank's score of 66/100 falls in the highlighted band.

PCSB Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. PCSB Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

PCSB Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). PCSB Bank's $337M falls in the highlighted band.

Safety ratios for PCSB Bank

Tier 1 capital ratio
Well-capitalized 10%

10.81% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.81%
Texas Ratio
0.96%
Equity Capital
$29M

What these ratios mean →

Profitability metrics: PCSB Bank

Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
8.96%
Efficiency Ratio
74.47%

What these mean →

Income & expense at PCSB Bank

$14M
Interest Income
$1M
Non-Interest Income
$7M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. PCSB Bank reports a Texas Ratio of 0.96% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.96% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View PCSB Bank on FDIC BankFind →

Top banks in Iowa by total assets

Largest banks headquartered in Iowa
  1. 1
    Principal Bank $9.3B

    Des Moines, IA · Grade A

  2. 2
    Bankers Trust Company $7.5B

    Des Moines, IA · Grade A

  3. 3
    MidWestOne Bank $6.3B

    Iowa City, IA · Grade A

  4. 4
    Hills Bank and Trust Company $4.6B

    Hills, IA · Grade A

  5. 5
    West Bank $4.1B

    West Des Moines, IA · Grade A

Top 5 banks in Iowa ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($337M here), outside Iowa so the neighborhood is not state containment.

Rivers Edge Bank $337M · SD Bath State Bank $337M · IN Sherburne State Bank $337M · MN Community Bank of Raymore $338M · MO

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) PCSB Bank (FDIC Cert #14522) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

PCSB Bank Call Report profile · FDIC Failed Bank List · Iowa FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Iowa

All Iowa banks →
BankAssetsGradeROA
Principal BankDes Moines $9.3B A 1.24%
Bankers Trust CompanyDes Moines $7.5B A 1.10%
MidWestOne BankIowa City $6.3B A 1.12%
Hills Bank and Trust CompanyHills $4.6B A 1.33%
West BankWest Des Moines $4.1B A 0.94%
Northwest BankSpencer $3.0B B 1.03%
Cedar Rapids Bank and Trust CompanyCedar Rapids $2.9B A 2.83%
Quad City Bank and Trust CompanyBettendorf $2.7B A 1.30%