Peoples State Bank (New Lexington, OH)
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Data as of · sourced from FFIEC call reports. How we update
Peoples State Bank is an FDIC-insured commercial bank headquartered in New Lexington, OH, established in 1932 (FDIC certificate 6659), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $286.5M, up 3.8% from Q2 2025, the 77th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 12.97% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6659
- Headquarters
- New Lexington, OH
- Established
- 1932
- Total assets, Q2 2026
- $286.5M
- Assets vs Q2 2025
- +3.8%
- CET1 ratio, Q2 2026
- 12.97%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 044105819
- Latest call report
- Q2 2026, FFIEC 051 · Peoples State Bank call report
- Holding company
- PEOPLES NATIONAL BANCSHARES, INC.
- Asset rank in state
- 77th of 154 in Ohio
Problem loans are rising at Peoples State Bank. It reported $286 million in assets at June 30, 2026, up 3.8% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.60% of loans from 0.16% a year earlier. It funds 8.32% of its assets with Tier 1 capital, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also grew its loan book 14.4% over the year, 2.6 times the median of 5.5% for banks its size.
Earnings jumped: net income for the quarter was $752,000, 30% above the same quarter a year earlier. Over the same year, loans grew 14.4% and deposits grew 1.4%.
As of June 30, 2026, Peoples State Bank reported a CET1 capital ratio of 12.97%, a return on assets of 1.04%, a nonperforming-loan ratio of 0.60% and a Texas ratio of 5.86%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Peoples State Bank is the 77th largest of the 154 banks headquartered in Ohio. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 5.9% to $286.5M, loans rose 4.1% and deposits fell 8.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 63.5% of total loans, followed by owner-occupied commercial real estate loans at 11.7%. The FDIC Summary of Deposits lists 6 offices for it, in 5 cities in OH; its New Lexington office books 64% of its branch deposits. On its Q2 2026 call report, Peoples State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 114 N Main St, New Lexington, OH 43764
- County
- Perry
- Metro Area
- Columbus, 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
- February 15, 1932
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $256.8M
- Allowance for credit losses
- $1.5M
- Net charge-offs (YTD)
- $15K
- Average total assets
- $289.1M
- Average total loans
- $224.5M
- Average interest-bearing deposits
- $193.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6659
- Fed RSSD
- 431323
- Website
- www.psbohio.com →
- Parent Holding Company
- PEOPLES NATIONAL BANCSHARES, INC. (RSSD 2438399)
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Peoples State Bank's total assets ran between $212.2M (Q3 2023) and $304.4M (Q1 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
$286.5M total assets against $276.0M; $262.4M total liabilities against $255.0M.
$225.5M net loans and leases against $197.0M; $256.8M total deposits against $253.2M.
$39.4M securities against $50.9M; $5.4M cash and balances due against $11.3M.
$3.9M total interest income against $3.5M; $927K total interest expense against $990K.
$3.0M net interest income against $2.5M.
$325K total noninterest income against $303K; $2.3M total noninterest expense against $2.0M.
$50K provision for credit losses against $24K.
$752K net income against $577K.
1.04% return on assets against 0.83%; 4.40% net interest margin against 3.77%.
12.97% CET1 capital ratio against 13.25%; 8.32% tier 1 leverage ratio against 7.76%.
Inside the full Peoples State Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freePeoples State Bank rankings
Its closest position to the top of a national ranking is 1,152 of 3,640, for Texas Ratio; its furthest is 2,632 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.47% (Q3 2024) to 1.13% (Q3 2025) and its net interest margin ran from 2.97% (Q3 2024) to 4.40% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.97% | 1.04% | 0.60% | 5.86% | 4.40% |
| Q1 2026 | 13.08% | 0.94% | 0.13% | 1.28% | 4.24% |
| Q4 2025 | 13.28% | 0.95% | 0.17% | 1.66% | 4.13% |
| Q3 2025 | 13.48% | 1.13% | 0.13% | 1.26% | 3.94% |
| Q2 2025 | 13.25% | 0.83% | 0.16% | 1.60% | 3.77% |
| Q1 2025 | 13.16% | 0.65% | 0.47% | 4.74% | 3.56% |
| Q4 2024 | 13.15% | 0.96% | 0.40% | 4.16% | 3.34% |
| Q3 2024 | 11.18% | 0.47% | 0.29% | 3.51% | 2.97% |
Swipe the table sideways to see every column.
Branch Network
View all 6 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 |
|---|---|---|---|
| Peoples State Bank (main office) | New Lexington , OH | 43764 | $164.3M |
| Thornville Branch | Thornville , OH | 43076 | $34.2M |
| The Pataskala Banking Company Branch | Pataskala , OH | 43062 | $27.4M |
| Roseville | Roseville , OH | 43777 | $13.2M |
| Junction City Branch | Junction City , OH | 43748 | $10.2M |
| Etna Township Branch | Pataskala , OH | 43062 | $7.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 1, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 1, 2024 | Structure Change | Acquired The Pataskala Banking Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 88 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 113 applications, 104 loans originated, $32.2M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $200K approved, $200K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2013 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 Peoples State Bank
What are Peoples State Bank's total assets?
As of the Q2 2026 filing, Peoples State Bank reported total assets of $286.5 million in its FFIEC call report.
Where is Peoples State Bank headquartered?
It is headquartered in New Lexington, OH, United States.
When was Peoples State Bank founded?
It was established in 1932, per the FDIC institution directory.
Is Peoples State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples State Bank?
Peoples State Bank's primary federal regulator is the FDIC.
What is Peoples State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.97% in its Q2 2026 call report, above regulatory requirements.
How many branches does Peoples State Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples State Bank's Texas Ratio?
Its Texas Ratio is 5.86% 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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