BlastPoint's Banking Scorecard
The Peoples Savings Bank
Designations: ✓ Mutual
Urbana, OH
2 branches across OH
The Peoples Savings Bank faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 43.1% in tier
- - Non-Interest-Bearing Deposit Share 12.92% below tier average
- - ROA 0.56% below tier average
- - Net Interest Margin 0.42% below tier average
- - Efficiency Ratio 9.61% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$185.4M
+11.3% YoY
+2.9% QoQ
|
-$200.7M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
23% |
| Total Loans ? |
$155.6M
+12.8% YoY
-0.2% QoQ
|
-$100.1M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
37% |
| Total Deposits ? |
$167.0M
+12.4% YoY
+3.1% QoQ
|
-$161.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
26% |
| Return on Assets ? |
0.71%
+6.3% YoY
+30.9% QoQ
|
-0.56% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
21% |
| Net Interest Margin ? |
3.51%
-0.1% YoY
-3.0% QoQ
|
-0.42% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
74.89%
-4.4% YoY
-4.2% QoQ
|
+9.61% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
22% |
| Delinquency Rate ? |
0.85%
+27.7% YoY
-14.8% QoQ
|
-0.04% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
93.19%
+0.4% YoY
-3.1% QoQ
|
+16.55% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
9.10%
-4.6% YoY
-5.9% QoQ
|
-12.92% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.1% in tier |
| Nonperforming Asset Ratio ? |
0.71%
+20.8% YoY
-19.9% QoQ
|
+0.07% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
29% |
| Tier 1 Capital Ratio ? |
9.08%
-5.1% YoY
+0.3% QoQ
|
-6.75% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Bottom 1.2% in tier |
| Non-Interest Income / Assets ? |
0.05%
-7.0% YoY
-75.3% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
18% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.