Peoples Savings Bank, The
New Matamoras, OH · Cert 9439 · Peer group: banks under $1B in assets in OH (n=68-71) · PSB Holdings Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$71.9MAssets
$34.8MLoans
$63.5MDeposits
$8.3MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 63% of banks under $1B in assets in OH (rank 26 of 71).
- Widest gap: nonperforming loans / loans trails 84% of banks under $1B in assets in OH (rank 58 of 68).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.78%
Rank 44 of 71
Net Interest Margin
3.48%
Rank 40 of 71
Efficiency Ratio
73.15%
Rank 41 of 71
Equity / Assets
11.56%
Rank 26 of 71
Non-interest income vs. expense
Unfavorable gap of $1.7M · efficiency ratio beats 44% 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 | 0.78% | 0.62% | 1.02% | 1.39% | Beats 38% | 44 / 71 | | |
| Return on Equity | 6.72% | 5.62% | 10.07% | 13.60% | Beats 30% | 50 / 71 | | |
| Net Interest Margin | 3.48% | 2.93% | 3.56% | 4.07% | Beats 44% | 40 / 71 | | |
| Efficiency Ratio | 73.15% | 55.94% | 70.77% | 78.80% | Beats 44% | 41 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.58% | 0.08% | 0.27% | 0.97% | Beats 16% | 58 / 68 | | |
| Net Charge-Offs / Loans | 0.06% | n/a | 0.00% | 0.05% | Beats 19% | 56 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 13.45% | 11.18% | 13.77% | 20.34% | Beats 42% | 41 / 71 | | |
| Total Risk-Based Capital Ratio | 13.45% | 12.08% | 14.34% | 21.24% | Beats 35% | 46 / 71 | | |
| Equity / Assets | 11.56% | 8.41% | 10.74% | 13.32% | Beats 63% | 26 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 54.79% | 64.48% | 76.81% | 87.49% | 7th pctl | 63 / 68 | | |
| Loans / Assets | 48.40% | 55.33% | 65.58% | 72.51% | 14th pctl | 61 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |