Total Assets
$182M
Total balance-sheet footings
FDIC Cert #15165 · Munising, Michigan · Est. 1910
Peoples State Bank of Munising - FDIC Bank Health Profile
A community-scale look at Peoples State Bank of Munising's own numbers, pulled straight from its quarterly FDIC Call Report.
- $182M
- Total assets
- C
- Health grade · Fair
- 0.71%
- Return on assets
- 11.5%
- Tier 1 capital
Data updated July 2026
The verdict
Peoples State Bank of Munising earns a PlainBankData health grade of C (62/100), with well-capitalized at 11.49% Tier 1, 0.71% ROA, 73% efficiency ratio.
- #3,139
- largest of 4,313 FDIC banks by assets
- 27th
- percentile by asset size, nationally
- 11.49%
- Tier 1 ratio - above the 10% well-capitalized line
- 25th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 15165 · MI C · 62/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-C C (62/100)
- LOWER-Q #3700/4307
- PHOTO-FINISH CB&S Bank, Inc. · AL
- TIER1-WELL 11.5% Tier 1
- TEXAS-CLEAN 14.5% Texas
- ROA-THIN 0.71% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Michigan: CB&S Bank, Inc., AL (±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 Peoples State Bank of Munising
Lowest and highest poles plus nearest scored peers outside Michigan, not a full FDIC corpus board reprint.
Call Report read for Peoples State Bank of Munising in a high-failure state
Peoples State Bank of Munising (FDIC Cert #15165) carries a PlainBankData health grade of C at 62/100, 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 #3,700 of 4,307. Tier 1 capital prints at 11.49%, clearing the 10% well-capitalized line. The Texas Ratio is 14.51%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.71%. Balance-sheet scale is $182M, 3,139th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is CB&S Bank, Inc. (AL), 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 Peoples State Bank of Munising
14 FAILURE resolutions in Michigan since 2000, heavy vs the state corpus
Peoples State Bank of Munising sits in one of the heavier post-2000 FAILURE states (14 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Peoples State Bank of Munising's current Call Report.
- FIDELITY BANK DEARBORN, MI 2012 → THE HUNTINGTON NATIONAL BANK
- COMMUNITY CENTRAL BANK MOUNT CLEMENS, MI 2011 → TALMER BANK AND TRUST
- PEOPLES STATE BANK HAMTRAMCK, MI 2011 → FIRST MICHIGAN BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Michigan banks.
How Peoples State Bank of Munising's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (11.49%) 28/40
Return on Assets (ROA) (0.71%) 14/25
Texas Ratio (14.51%) 16/20
Efficiency Ratio (73.32%) 4/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$139M
Customer-funded liabilities
Net Loans
$105M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Peoples State Bank of Munising ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples State Bank of Munising's score of 62/100 falls in the highlighted band.
Peoples State Bank of Munising: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
62 14th percentile higher than 14% of 4,307 FDIC-insured banks
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
Peoples State Bank of Munising'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). Peoples State Bank of Munising's $182M falls in the highlighted band.
Capital & credit buffers at Peoples State Bank of Munising
Tier 1 capital ratio
Well-capitalized 10%
11.49% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
11.49%
Texas Ratio
14.51%
Equity Capital
$22M
Profitability metrics: Peoples State Bank of Munising
Return on Assets (ROA)
25th percentile nationally
0.71%
Return on Equity (ROE)
6.56%
Efficiency Ratio
73.32%
Income & expense at Peoples State Bank of Munising
$8M
Interest Income
$1M
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Peoples State Bank of Munising reports a Texas Ratio of 14.51% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
14.51% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Michigan by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($182M here), outside Michigan so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples State Bank of Munising (FDIC Cert #15165) - 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.
Peoples State Bank of Munising Call Report profile · FDIC Failed Bank List · Michigan FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Michigan
All Michigan banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Northpointe BankGrand Rapids | $7.0B | B | 1.39% |
| First National Bank of AmericaEast Lansing | $6.7B | A | 2.94% |
| Mercantile BankGrand Rapids | $6.2B | A | 1.61% |
| Independent BankGrand Rapids | $5.5B | B | 1.33% |
| ChoiceOne BankSparta | $4.4B | B | 0.79% |
| Macatawa Bank, National AssociationHolland | $3.7B | A | 1.39% |
| Bank of Ann ArborAnn Arbor | $3.3B | A | 1.72% |
| Isabella BankMount Pleasant | $2.2B | B | 1.02% |