Is Peoples State Bank of Wells Safe?
Peoples State Bank of Wells has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (77/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.22% | 94/100 |
| Nonperforming Loan Ratio | 0.23% | 95/100 |
| Liquidity Ratio | 30.60% | 100/100 |
| Return on Assets | 1.42% | 77/100 |
| Total Assets | $0.1B | |
How does Peoples State Bank of Wells compare?
With a Bank Health Score of 94/100, Peoples State Bank of Wells sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Peoples State Bank of Wells ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.22% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.23% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Peoples State Bank of Wells's Bank Health Score fell by 3.0 points to 94/100. Tier 1 capital weakened by 0.90 percentage points to 14.22%.
Peoples State Bank of Wells has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is liquidity (100/100), while profitability is its weakest area (77/100).