PEOPLES SAVINGS BANK, THE

URBANA, OH | Small | Est. Jan. 1, 1892, midnight | FDIC #29975 | RSSD #819172 | FDIC
Latest Report: 2025-12-31

PEOPLES SAVINGS BANK, THE is asn small FDIC-insured commercial bank headquartered in URBANA, OH, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $180M and total deposits of $162M. Profitability stands at 0.48% ROA and 5.77% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 8.39%. Asset quality metrics show a non-performing loan ratio of 0.34% and a Texas Ratio of 3.58%. FDIC Certificate #29975.

Assets

$180M

Deposits

$162M

Loans

$157M

Equity

$15M

Profitability

Return on Assets (ROA) 0.48%
Return on Equity (ROE) 5.77%
Net Interest Margin (NIM) 3.88%
Yield on Assets 5.96%
Cost of Funds 2.10%

Asset Quality

NPL Ratio 0.34%
Net Charge-Off Ratio 0.11%
Texas Ratio 3.58%
NPA Ratio 0.33%
ACL / Loans 0.82%

Capital & Liquidity

CET1 Ratio 8.39%
Tier 1 Capital 8.39%
Total Capital Ratio 8.81%
Leverage Ratio 9.06%
Loan-to-Deposit 97.00%

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