The Peoples Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 8.78 percentage points in Q2 2026, from 94.91% to 86.13%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Peoples Savings Bank is 96th of 156 on return on assets, 0.86% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets. The Peoples Savings Bank sits 0.12 points lower, at 0.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.45% |
| Equity capital to assets | 11.56% |
| Tangible equity to tangible assets | 11.56% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.58% |
| Non-performing assets ratio | 0.76% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.24% |
| Allowance for credit losses to loans | 1.36% |
| Reserve coverage of non-performing loans | 86.13% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 7.33% |
| Net interest margin | 3.85% |
| Efficiency ratio | 71.35% |
| Yield on earning assets | 4.60% |
| Cost of funds | 0.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 54.79% |
| Core deposits to total deposits | 92.96% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.33% |
| Securities to assets | 39.43% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.40% | 0.74% | 3.64% | 1.18% | -0.01% |
| Q4 2023 | 13.47% | 0.81% | 3.64% | 1.10% | -0.01% |
| Q1 2024 | 13.60% | 0.72% | 3.65% | 0.53% | 0.23% |
| Q2 2024 | 13.49% | 0.86% | 3.63% | 0.51% | -0.01% |
| Q3 2024 | 13.92% | 0.79% | 3.70% | 0.59% | 0.02% |
| Q4 2024 | 13.96% | 0.97% | 3.77% | 0.71% | -0.01% |
| Q1 2025 | 13.62% | 0.79% | 3.77% | 0.66% | -0.01% |
| Q2 2025 | 13.30% | 0.84% | 3.89% | 0.59% | 0.00% |
| Q3 2025 | 13.49% | 0.92% | 4.00% | 0.59% | -0.01% |
| Q4 2025 | 13.60% | 0.94% | 3.90% | 0.79% | -0.01% |
| Q1 2026 | 13.89% | 0.75% | 3.80% | 1.43% | 0.23% |
| Q2 2026 | 13.45% | 0.86% | 3.85% | 1.58% | 0.00% |
The Peoples Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Peoples Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9439) · FFIEC NIC profile (RSSD 287922)