The Peoples Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples Savings Bank of Urbana, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.72% | 1.34% | -0.62% | 20th bottom |
| ROAE | 8.67% | 13.32% | -4.65% | 29th below |
| Net Interest Margin | 3.67% | 3.93% | -0.26% | 35th below |
| Efficiency Ratio | 71.38% | 61.14% | +10.24% | 26th below |
| PPNR / Avg Assets | 1.06% | 1.68% | -0.62% | 23rd bottom |
| Yield on Earning Assets Behind the peer average, ahead of the median peer. | 5.60% | 5.67% | -0.07% | 50th above |
| Cost of Funds | 2.10% | 1.88% | +0.22% | 32nd below |
| Net Interest Spread | 3.29% | 3.32% | -0.03% | 48th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.83% | 0.94% | -0.11% | 32nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.69% | 0.70% | -0.01% | 30th below |
| NCO / Avg Loans | -0.01% | 0.16% | -0.17% | 82nd top |
| ACL / Total Loans | 0.82% | 1.28% | -0.46% | 11th bottom |
| ACL / NPLs (Coverage) | 98.85% | 1538.96% | -1440.11% | 27th below |
| Texas Ratio | 9.18% | 7.33% | +1.85% | 24th bottom |
| Provision / NCO | 105.71% | 1395.85% | -1290.14% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 8.96% | 12.14% | -3.18% | 12th bottom |
| Equity / Assets | 8.31% | 11.37% | -3.06% | 17th bottom |
| TCE / Tangible Assets | 8.31% | 11.09% | -2.78% | 20th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 91.30% | 80.64% | +10.66% | 26th below |
| Core Deposit Ratio | 79.93% | 86.86% | -6.93% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 11.15% | 6.85% | +4.30% | 86th top |
| Loan Growth (Y/Y) | 10.24% | 7.90% | +2.34% | 74th above |
| Deposit Growth (Y/Y) | 13.17% | 6.29% | +6.88% | 89th top |
See The Peoples Savings Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Peoples Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Peoples Savings Bank profile, how to read a UBPR, or how this data updates.