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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.63 percentage points lower than in Q1 2026, at 91.30%. The Peoples Savings Bank ranks 110th of 156 Ohio banks on return on assets, in the lower half at 0.72% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Peoples Savings Bank sits 0.54 points lower, at 0.72% (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 | 8.96% |
| Equity capital to assets | 8.31% |
| Tangible equity to tangible assets | 8.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.83% |
| Non-performing assets ratio | 0.69% |
| Net charge-off ratio | -0.01% |
| Texas ratio | 9.18% |
| Allowance for credit losses to loans | 0.82% |
| Reserve coverage of non-performing loans | 98.85% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 8.67% |
| Net interest margin | 3.67% |
| Efficiency ratio | 71.38% |
| Yield on earning assets | 5.60% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.30% |
| Core deposits to total deposits | 79.93% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.13% |
| Securities to assets | 4.27% |
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 | 10.26% | 0.64% | 3.46% | 1.10% | 0.03% |
| Q4 2023 | 10.19% | 0.08% | 3.49% | 0.99% | 0.03% |
| Q1 2024 | 10.13% | 0.46% | 3.27% | 0.97% | 0.02% |
| Q2 2024 | 9.74% | -0.55% | 3.69% | 0.87% | 0.06% |
| Q3 2024 | 9.86% | 0.69% | 3.85% | 0.56% | 0.02% |
| Q4 2024 | 9.61% | 0.15% | 3.76% | 0.50% | 0.00% |
| Q1 2025 | 9.57% | 0.67% | 3.59% | 0.46% | 0.17% |
| Q2 2025 | 9.33% | 0.56% | 3.63% | 0.55% | 0.01% |
| Q3 2025 | 9.31% | 0.46% | 3.51% | 0.53% | 0.13% |
| Q4 2025 | 9.06% | 0.48% | 3.63% | 0.47% | 0.16% |
| Q1 2026 | 9.08% | 0.71% | 3.44% | 0.78% | 0.18% |
| Q2 2026 | 8.96% | 0.72% | 3.67% | 0.83% | -0.01% |
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 29975) · FFIEC NIC profile (RSSD 819172)