PSB Holdings, Inc. (“PSB”) owns and operates Peoples State Bank, a commercial community bank. Peoples State Bank is engaged in general commercial and retail banking and serves individuals, businesses, and governmental units. The Bank offers most forms of commercial lending, including lines and letters of credit, secured and unsecured term loans, equipment and lease financing, and commercial mortgage lending. Commercial customers may use available cash management, lockbox, and merchant banking products, including tools to protect deposit accounts against fraud and facilitate on-site electronic commercial deposits. In addition, we provide a full range of personal banking services, including checking accounts,In addition, the Bank provides a full range of personal banking services, including checking accounts, savings, and time deposit accounts, a local network of automated teller machines, online computer banking, mobile banking, credit and debit cards, installment and other personal loans, as well as long-term fixed-rate mortgage loans.