Applications / Mortgage Analytics / Lenders / Indiana / Peoples Trust and Savings Bank
Boonville, IN · State non-member bank · FDIC · $245 million assets · 40 loans in 2025
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40
loans originated, 2025
56
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples Trust and Savings Bank, a small Indiana lender, made far fewer loans in 2025, and lost ground in its home market around Evansville.
Its loans fell 45% to 40, while those of similar lenders (state non-member banks making between half and twice as many loans) rose 2%. It is the third fall in a row, from 166 in 2022, and its lowest count since at least 2018. Part of the fall may be a return from an unusually busy 2022: it made 79 loans in 2018 and 53 in 2019. It filed no report for 2020 and 2021, when small banks need not report; those years are gaps, not years without lending.
Its dollar lending, $14.8 million, was still above the $12.2 million at similar lenders. Its loans run large: 8.8% were jumbo (larger than the conforming limit), against 1.7% at peers, a higher share than about four in five of them.
Around Evansville, where it has lent since at least 1990, it ranked 21 of 248 lenders. Its share fell to 1.0% from 1.5%, in step with its own smaller lending; with so few loans, a handful of large ones either way can move it. Liberty Federal Credit Union led the market with $227.7M.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Years with no HMDA report from this lender are left out: since 2020 a bank making fewer than 100 closed-end loans a year need not report. Peoples Trust and Savings Bank took 56 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 52.5% · Refinance 25.0% · Other 17.5% · Home improvement 5.0%
Conventional 100.0% · of 40 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Indiana | 39 | 97.5% |
| Tennessee | 1 | 2.5% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Evansville | 37 |
| Clarksville | 1 |
| Indianapolis-Carmel-Greenwood | 1 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 549300LNXSV7JTOU7K53 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 67142 | 2004–2023 |
| Respondent ID (the HMDA filer code before 2018) | 313113 | 1990–2017 |
Established 1 January 1895. Reported under HMDA 1990-2025.
Mergers, name changes, data editions and corrections: Peoples Trust and Savings Bank's data.
Peoples Trust and Savings Bank's data
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Peoples Trust and Savings Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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