The Peoples Savings Bank (Urbana, OH)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Savings Bank is an FDIC-insured savings and loan association headquartered in Urbana, OH, established in 1892 (FDIC certificate 29975), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $189.3M, up 11.1% from Q2 2025, the 101st largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 8.96% at Q2 2026, not above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29975
- Headquarters
- Urbana, OH
- Established
- 1892
- Total assets, Q2 2026
- $189.3M
- Assets vs Q2 2025
- +11.1%
- Tier 1 leverage ratio, Q2 2026
- 8.96%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 244171902
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Savings Bank call report
- Asset rank in state
- 101st of 154 in Ohio
Problem loans are rising at The Peoples Savings Bank. It reported $189 million in assets at June 30, 2026, up 11.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.87% of loans from 0.47% a year earlier. It funds 8.96% of its assets with Tier 1 capital, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew deposits 13.2% over the year, about triple the median of 4.0% for banks its size.
Earnings jumped: net income for the quarter was $338,000, 43% above the same quarter a year earlier. Profitability lags: it earns about $0.72 a year on every $100 of assets, lower than about three-quarters of banks its size (median $1.28).
As of June 30, 2026, The Peoples Savings Bank reported a return on assets of 0.72%, a nonperforming-loan ratio of 0.87% and a Texas ratio of 8.08%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Peoples Savings Bank is the 101st largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $189.3M, loans rose 0.4% and deposits rose 3.3%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.0% of total loans, followed by owner-occupied commercial real estate loans at 9.4%. Its 2 offices in the FDIC Summary of Deposits are in Urbana, OH. Judged on its Q2 2026 call report, The Peoples Savings Bank is inside the community bank leverage ratio grace band.
Headquarters Profile
- Address
- 10 Monument Sq, Urbana, OH 43078
- County
- Champaign
- Metro Area
- Urbana, OH
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Former names
- The Peoples Savings Bank (1993)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $172.5M
- Allowance for credit losses
- $1.3M
- Net charge-offs (YTD)
- $70K
- Average total assets
- $188.8M
- Average total loans
- $156.0M
- Average interest-bearing deposits
- $155.0M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29975
- Fed RSSD
- 819172
- Website
- www.thepeoplessavingsbank.com →
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 $148.0M (Q3 2023) to $189.3M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$189.3M total assets against $170.3M; $173.6M total liabilities against $155.9M.
$156.2M net loans and leases against $141.8M; $172.5M total deposits against $152.5M.
$8.1M securities against $8.4M; $21.3M cash and balances due against $16.4M.
$2.6M total interest income against $2.2M; $896K total interest expense against $759K.
$1.7M net interest income against $1.4M.
$77K total noninterest income against $89K; $1.3M total noninterest expense against $1.3M.
$74K provision for credit losses against $0.
$338K net income against $237K.
0.72% return on assets against 0.56%; 3.67% net interest margin against 3.63%.
8.96% tier 1 leverage ratio against 9.33%.
Inside the full The Peoples Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Savings Bank rankings
Its closest position to the top of a national ranking is 824 of 3,640, for Texas Ratio; its furthest is 3,006 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.15% (Q4 2024) to 0.72% (Q2 2026) and its net interest margin ran from 3.44% (Q1 2026) to 3.85% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 8.96% | 0.72% | 0.87% | 8.08% | 3.67% |
| Q1 2026 | 9.08% | 0.71% | 0.84% | 7.90% | 3.44% |
| Q4 2025 | 9.06% | 0.48% | 0.99% | 9.74% | 3.63% |
| Q3 2025 | 9.31% | 0.46% | 0.53% | 4.98% | 3.51% |
| Q2 2025 | 9.33% | 0.56% | 0.47% | 4.32% | 3.63% |
| Q1 2025 | 9.57% | 0.67% | 0.66% | 6.38% | 3.59% |
| Q4 2024 | 9.61% | 0.15% | 0.63% | 5.85% | 3.76% |
| Q3 2024 | 9.86% | 0.69% | 0.65% | 5.76% | 3.85% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 | Urbana , OH | 43078 | $117.5M |
| 618 Scioto Street Branch | Urbana , OH | 43078 | $55.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 114 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, 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 $189.3 million in its FFIEC call report.
Where is The Peoples Savings Bank headquartered?
It is headquartered in Urbana, OH, United States.
When was The Peoples Savings Bank founded?
It was established in 1892, per the FDIC institution directory.
Is The Peoples Savings Bank FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #29975). 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 2 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 8.08% 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.
What was The Peoples Savings Bank previously called?
The charter now named The Peoples Savings Bank has also operated as The Peoples Savings Bank (1993), per FDIC structure-change records.
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