Peoples State 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 Reserve coverage of non-performing loans: 704.61 percentage points lower than in Q1 2026, at 115.84%. Peoples State Bank ranks 79th of 156 Ohio banks on return on assets, in the lower half at 1.04% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Peoples State Bank sits 0.21 points lower, at 1.04% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.97% |
| Tier 1 risk-based capital ratio | 12.97% |
| Total risk-based capital ratio | 13.77% |
| Tier 1 leverage ratio | 8.32% |
| Equity capital to assets | 8.40% |
| Tangible equity to tangible assets | 7.65% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.56% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.02% |
| Texas ratio | 5.86% |
| Allowance for credit losses to loans | 0.65% |
| Reserve coverage of non-performing loans | 115.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.04% |
| Return on equity | 12.63% |
| Net interest margin | 4.40% |
| Efficiency ratio | 68.66% |
| Yield on earning assets | 5.77% |
| Cost of funds | 1.42% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.38% |
| Core deposits to total deposits | 86.81% |
| Brokered deposits to total deposits | 3.89% |
| Deposits to assets | 89.64% |
| Securities to assets | 13.75% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 12.18% | 12.18% | 13.21% | 7.11% | 0.43% |
| Q4 2023 | 12.04% | 12.04% | 13.06% | 7.10% | 0.51% |
| Q1 2024 | 11.61% | 11.61% | 12.58% | 7.05% | 0.27% |
| Q2 2024 | 11.47% | 11.47% | 12.47% | 6.92% | 0.38% |
| Q3 2024 | 11.18% | 11.18% | 12.15% | 6.53% | 0.47% |
| Q4 2024 | 13.15% | 13.15% | 14.01% | 7.62% | 0.96% |
| Q1 2025 | 13.16% | 13.16% | 14.01% | 7.69% | 0.65% |
| Q2 2025 | 13.25% | 13.25% | 14.10% | 7.76% | 0.83% |
| Q3 2025 | 13.48% | 13.48% | 14.31% | 7.84% | 1.13% |
| Q4 2025 | 13.28% | 13.28% | 14.09% | 8.06% | 0.95% |
| Q1 2026 | 13.08% | 13.08% | 13.89% | 8.02% | 0.94% |
| Q2 2026 | 12.97% | 12.97% | 13.77% | 8.32% | 1.04% |
Peoples State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples State 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 Peoples State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6659) · FFIEC NIC profile (RSSD 431323)