🏦Bank Scorer

PEOPLES SAVINGS BANK OF RHINELAND

RHINELAND, MO · Supervised by FDIC

Est. 1935FDIC #15,264RSSD: FDIC-15264
Part ofRHINELAND BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: October 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.11%

Institution Profile

FDIC BankFind

Address

101 Bluff St, RHINELAND, MO

County

Montgomery County

Established

August 12, 1935

Total Assets

$831M(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

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$831M

Total Deposits

$710M

Net Loans

$648M

Net Income

$2M

ROA

1.11%

ROE

11.80%

Risk-Based Capital

11.78%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate4.27%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$581M

1-Year Change

+1

5-year net change: +5 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202416481.1%4.27%
202317577.71%8.00%
202230882.14%8.44%
202130684.97%6.21%
202024576.73%7.76%
201917774.58%11.86%
201814470.83%16.67%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

8 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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