This institution is no longer active

Operations ceased on July 1, 2017. CRA examination history below reflects the period it was active.

PEOPLES STATE BANK

MC DONALD, KS · Supervised by FDIC

Est. 1930FDIC #14,898RSSD: FDIC-14898

Part ofBIG MAC BANCSHARES INC→ View all charters

Outstanding Up

Current rating · Exam: February 2015

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 2.12%

Is this bank safe?

PEOPLES STATE BANK earned an Outstanding CRA rating (2015), is financially strong (ROA +2.12%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

304 Rawlins Avenue, MC DONALD, KS

County

Rawlins County

Established

April 30, 1930

Total Assets

$122M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

February 1, 2015

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 11 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2017Call Report / FDIC

Total Assets

$122M

Total Deposits

$100M

Net Loans

$105M

Net Income

$1M

ROA

2.12%

Above avg for Small banks. Peer avg: 0.44%

ROE

22.81%

Risk-Based Capital

11.87%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.12%Peer avg: 0.44%▲ Above avg

Risk-Based Capital11.87%Peer avg: 23.03%▼ Below avg

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Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2015	Outstanding	Small Bank
Jul 2009	Satisfactory	Small Bank
Jun 2004	Satisfactory	Small Bank

5 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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