Peoples Savings Bank, The
Urbana, OH · Cert 29975 · Peer group: banks under $1B in assets in OH (n=68-71)
SL · FDIC · 2 branches
Q2 2026
$189.3MAssets
$157.5MLoans
$172.5MDeposits
$15.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 44% of banks under $1B in assets in OH (rank 40 of 71).
- Widest gap: total risk-based capital ratio trails 100% of banks under $1B in assets in OH (rank 71 of 71).
- Overall: at or above the peer median on 0 of 9 directional measures.
Return on Assets
0.70%
Rank 51 of 71
Net Interest Margin
3.43%
Rank 43 of 71
Efficiency Ratio
73.20%
Rank 43 of 71
Equity / Assets
8.31%
Rank 55 of 71
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 41% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.70% | 0.62% | 1.02% | 1.39% | Beats 28% | 51 / 71 | | |
| Return on Equity | 8.41% | 5.62% | 10.07% | 13.60% | Beats 44% | 40 / 71 | | |
| Net Interest Margin | 3.43% | 2.93% | 3.56% | 4.07% | Beats 39% | 43 / 71 | | |
| Efficiency Ratio | 73.20% | 55.94% | 70.77% | 78.80% | Beats 41% | 43 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.87% | 0.08% | 0.27% | 0.97% | Beats 31% | 48 / 68 | | |
| Net Charge-Offs / Loans | 0.05% | n/a | 0.00% | 0.05% | Beats 25% | 52 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 8.96% | 11.18% | 13.77% | 20.34% | Beats 0% | 71 / 71 | | |
| Total Risk-Based Capital Ratio | 8.96% | 12.08% | 14.34% | 21.24% | Beats 0% | 71 / 71 | | |
| Equity / Assets | 8.31% | 8.41% | 10.74% | 13.32% | Beats 23% | 55 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 91.30% | 64.48% | 76.81% | 87.49% | 82nd pctl | 12 / 68 | | |
| Loans / Assets | 83.20% | 55.33% | 65.58% | 72.51% | 90th pctl | 7 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |