PEOPLES STATE BANK

NEW LEXINGTON, OH | Small | Est. Feb. 15, 1932, midnight | FDIC #6659 | RSSD #431323 | FDIC
Latest Report: 2025-12-31

PEOPLES STATE BANK is asn small FDIC-insured commercial bank headquartered in NEW LEXINGTON, OH, established in Feb. 15, 1932, midnight. As of 2025-12-31, the bank reported total assets of $280M and total deposits of $255M. Profitability stands at 0.96% ROA and 11.85% ROE, with a net interest margin of 4.20%. The bank's CET1 capital ratio is 13.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.12% and a Texas Ratio of 1.07%. FDIC Certificate #6659.

Assets

$280M

Deposits

$255M

Loans

$210M

Equity

$23M

Profitability

Return on Assets (ROA) 0.96%
Return on Equity (ROE) 11.85%
Net Interest Margin (NIM) 4.20%
Yield on Assets 5.66%
Cost of Funds 1.47%

Asset Quality

NPL Ratio 0.12%
Net Charge-Off Ratio 0.05%
Texas Ratio 1.07%
NPA Ratio 0.09%
ACL / Loans 0.66%

Capital & Liquidity

CET1 Ratio 13.28%
Tier 1 Capital 13.28%
Total Capital Ratio 14.09%
Leverage Ratio 8.06%
Loan-to-Deposit 82.10%

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