The Peoples Savings Bank (New Matamoras, OH)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Savings Bank is an FDIC-insured commercial bank headquartered in New Matamoras, OH, established in 1911 (FDIC certificate 9439), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $71.9M, up 1.6% from Q2 2025, the 141st largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 13.45% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 9439
- Headquarters
- New Matamoras, OH
- Established
- 1911
- Total assets, Q2 2026
- $71.9M
- Assets vs Q2 2025
- +1.6%
- Tier 1 leverage ratio, Q2 2026
- 13.45%
- Domestic offices
- 3 FDIC institution directory, current count
- Routing number
- 044212139
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Savings Bank call report
- Holding company
- PSB HOLDINGS, INC.
- Asset rank in state
- 141st of 154 in Ohio
Problem loans are rising at The Peoples Savings Bank. It reported $72 million in assets at June 30, 2026, up 1.6% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.58% of loans from 0.98% a year earlier. It pays an average of 0.80% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets.
Paper losses on its bond portfolio are shrinking: unrealized losses of $1.3 million equal 14% of Tier 1 capital, down from 19% a year earlier.
As of June 30, 2026, The Peoples Savings Bank reported a return on assets of 0.86%, a nonperforming-loan ratio of 1.58% and a Texas ratio of 6.24%. The figures come from its call report filed with the FFIEC.
The Peoples Savings Bank ranks as the 141st largest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 5.5% to $71.9M, loans rose 1.0% and deposits rose 6.3%. 1-4 family residential loans made up 76.0% of its total loans on June 30, 2026, its largest category; next came auto loans at 4.9%. The FDIC Summary of Deposits lists 3 offices for it, in New Matamoras, OH, Newport, OH and Lower Salem, OH; its New Matamoras office books 100% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Peoples Savings Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 710 2nd St, New Matamoras, OH 45767
- County
- Monroe
- Metro Area
- Marietta, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 11, 1911
- Domestic offices
- 3 FDIC institution directory, current count
- Employees (FTE)
- 17
- Domestic deposits
- $63.5M
- Allowance for credit losses
- $472K
- Net charge-offs (YTD)
- $20K
- Average total assets
- $70.5M
- Average total loans
- $34.8M
- Average interest-bearing deposits
- $46.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 9439
- Fed RSSD
- 287922
- Website
- http://www.psb1911.com →
- Parent Holding Company
- PSB HOLDINGS, INC. (RSSD 3213892)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Peoples Savings Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Peoples Savings Bank's total assets ranged from $65.0M (Q2 2024) to $71.9M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$71.9M total assets against $70.7M; $63.6M total liabilities against $63.1M.
$34.3M net loans and leases against $33.2M; $63.5M total deposits against $63.0M.
$28.3M securities against $24.4M; $6.3M cash and balances due against $10.1M.
$752K total interest income against $719K; $123K total interest expense against $107K.
$629K net interest income against $612K.
$62K total noninterest income against $57K; $494K total noninterest expense against $481K.
$6K provision for credit losses against $6K.
$152K net income against $145K.
0.86% return on assets against 0.84%; 3.85% net interest margin against 3.89%.
13.45% tier 1 leverage ratio against 13.30%.
Inside the full The Peoples Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.75% (Q1 2026) to 0.97% (Q4 2024) and its net interest margin ran from 3.70% (Q3 2024) to 4.00% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.45% | 0.86% | 1.58% | 6.24% | 3.85% |
| Q1 2026 | 13.89% | 0.75% | 1.43% | 5.61% | 3.80% |
| Q4 2025 | 13.60% | 0.94% | 1.17% | 4.59% | 3.90% |
| Q3 2025 | 13.49% | 0.92% | 0.97% | 3.84% | 4.00% |
| Q2 2025 | 13.30% | 0.84% | 0.98% | 4.06% | 3.89% |
| Q1 2025 | 13.62% | 0.79% | 0.66% | 2.85% | 3.77% |
| Q4 2024 | 13.96% | 0.97% | 0.71% | 3.15% | 3.77% |
| Q3 2024 | 13.92% | 0.79% | 0.59% | 2.46% | 3.70% |
Swipe the table sideways to see every column.
Branch Network
View all 3 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Peoples Savings Bank | New Matamoras , OH | 45767 | $63.5M |
| Newport Branch | Newport , OH | 45768 | $0 |
| Lower Salem Branch | Lower Salem , OH | 45745 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 162 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $898K approved, $898K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1992 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Peoples Savings Bank
What are The Peoples Savings Bank's total assets?
As of the Q2 2026 filing, The Peoples Savings Bank reported total assets of $71.9 million in its FFIEC call report.
Where is The Peoples Savings Bank headquartered?
It is headquartered in New Matamoras, OH, United States.
When was The Peoples Savings Bank founded?
It was established in 1911, per the FDIC institution directory.
Is The Peoples Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #9439). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Savings Bank?
The Peoples Savings Bank's primary federal regulator is the FDIC.
How many branches does The Peoples Savings Bank operate?
It operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples Savings Bank's Texas Ratio?
Its Texas Ratio is 6.24% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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