FDIC Cert #13113 · Boonville, Indiana · Est. 1895

Peoples Trust and Savings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$245M
Total assets
C
Health grade · Fair
-0.13%
Return on assets
12.8%
Tier 1 capital

Data updated July 2026

The verdict

Peoples Trust and Savings Bank earns a PlainBankData health grade of C (51/100), with well-capitalized at 12.82% Tier 1, -0.13% ROA, 99% efficiency ratio.

#2,764
largest of 4,313 FDIC banks by assets
36th
percentile by asset size, nationally
12.82%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 13113 · IN C · 51/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-C C (51/100)
  • BOTTOM-DECILE #4117/4307
  • PHOTO-FINISH BANK · IA
  • TIER1-WELL 12.8% Tier 1
  • TEXAS-CLEAN 14.2% Texas
  • ROA-LOSS -0.13% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: BANK, IA (±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 Trust and Savings Bank

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

Morgan Stanley Bank,… · UT ·…100/100BANK · IA · near51/100First State Bank · MS · near51/100Generations Bank · NY · near51/100Great North Bank · WI · near51/100Peoples Trust and Sa… · IN ·…51/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Peoples Trust and Savings Bank · July 2026

What Peoples Trust and Savings Bank's Call Report plate shows

Peoples Trust and Savings Bank (FDIC Cert #13113) carries a PlainBankData health grade of C at 51/100, 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 #4,117 of 4,307. Tier 1 capital prints at 12.82%, clearing the 10% well-capitalized line. The Texas Ratio is 14.20%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.13%. Balance-sheet scale is $245M, 2,764th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is BANK (IA), 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 Trust and Savings Bank

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

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

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

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

How Peoples Trust and Savings Bank's 51/100 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 avg77/10051/100
Peoples Trust and Savings Bank's composite health score
Tier 1 Capital Ratio (12.82%) 35/40
Return on Assets (ROA) (-0.13%) 0/25
Texas Ratio (14.20%) 16/20
Efficiency Ratio (99.38%) 0/15

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

Balance sheet at a glance

Total Assets

$245M

Total balance-sheet footings

Total Deposits

$196M

Customer-funded liabilities

Net Loans

$175M

Outstanding loan book

Net Income

$-329K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.42% 12.82% 14.22%
Basel III capital ratios - Peoples Trust and Savings Bank

Where Peoples Trust and Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Peoples Trust and Savings Bank's score of 51/100 falls in the highlighted band.

Peoples Trust and Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

51 4th percentile higher than 4% 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%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 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. Peoples Trust and Savings 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

Peoples Trust and Savings 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). Peoples Trust and Savings Bank's $245M falls in the highlighted band.

Safety ratios for Peoples Trust and Savings Bank

Tier 1 capital ratio
Well-capitalized 10%

12.82% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.82%
Texas Ratio
14.20%
Equity Capital
$28M

What these ratios mean →

Profitability metrics: Peoples Trust and Savings Bank

Return on Assets (ROA)
4th percentile nationally
-0.13%
Return on Equity (ROE)
-1.20%
Efficiency Ratio
99.38%

What these mean →

Income & expense: loss period at Peoples Trust and Savings Bank

$11M
Interest Income
$665K
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. Peoples Trust and Savings Bank reports a Texas Ratio of 14.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

14.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Peoples Trust and Savings Bank

Peoples Trust and Savings Bank's grade of C reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-329K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Peoples Trust and Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Peoples Trust and Savings Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($245M here), outside Indiana so the neighborhood is not state containment.

Western National Bank $245M · NE Method Bank $244M · OK The Commercial Bank of Grayson $245M · KY First Bank Hampton $244M · IA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Peoples Trust and Savings Bank (FDIC Cert #13113) - 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 Trust and Savings Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%