Peoples State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples State Bank of New Lexington, 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 | 1.04% | 1.34% | -0.30% | 36th below |
| ROAE Behind the peer average, ahead of the median peer. | 12.63% | 13.31% | -0.68% | 52nd above |
| Net Interest Margin | 4.40% | 3.93% | +0.47% | 75th top |
| Efficiency Ratio | 68.66% | 61.14% | +7.52% | 31st below |
| PPNR / Avg Assets | 1.38% | 1.68% | -0.30% | 38th below |
| Yield on Earning Assets | 5.77% | 5.67% | +0.10% | 58th above |
| Cost of Funds | 1.42% | 1.88% | -0.46% | 74th above |
| Net Interest Spread | 3.93% | 3.32% | +0.61% | 81st top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.56% | 0.94% | -0.38% | 42nd below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.45% | 0.70% | -0.25% | 41st below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 36th below |
| ACL / Total Loans | 0.65% | 1.28% | -0.63% | 6th bottom |
| ACL / NPLs (Coverage) | 115.84% | 1539.10% | -1423.26% | 32nd below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.86% | 7.33% | -1.47% | 36th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 733.33% | 1395.77% | -662.44% | 78th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.97% | 19.51% | -6.54% | 28th below |
| Tier 1 Ratio | 12.97% | 19.54% | -6.57% | 28th below |
| Total Capital Ratio | 13.77% | 20.62% | -6.85% | 24th bottom |
| Leverage Ratio | 8.32% | 12.14% | -3.82% | 5th bottom |
| Equity / Assets | 8.40% | 11.38% | -2.98% | 18th bottom |
| TCE / Tangible Assets | 7.65% | 11.09% | -3.44% | 12th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 88.38% | 80.63% | +7.75% | 32nd below |
| Core Deposit Ratio | 86.81% | 86.86% | -0.05% | 38th below |
| Wholesale Funding Ratio | 1.27% | 5.03% | -3.76% | 78th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 3.81% | 6.85% | -3.04% | 46th below |
| Loan Growth (Y/Y) | 14.39% | 7.90% | +6.49% | 85th top |
| Deposit Growth (Y/Y) | 1.41% | 6.29% | -4.88% | 31st below |
See Peoples State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples State 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 Peoples State Bank profile, how to read a UBPR, or how this data updates.