BlastPoint

BlastPoint's Banking Scorecard

The Peoples Savings Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 29975

Designations: ✓ Mutual

Urbana, OH

2 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
  • Deposits +13.2% year over year ($172.5M on the books).
  • Delinquency rate 0.88%.
  • Return on assets 0.72%.
  • Efficiency ratio 73.20% vs a 64.48% peer average.
  • Loan-to-deposit ratio 90.54% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH
View $100M-$1B leaderboard (OH) →

The Peoples Savings Bank faces 5 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 41.8% in tier
  • - Non-Interest-Bearing Deposit Share 12.95% below tier average
  • - ROA 0.61% below tier average
  • - Net Interest Margin 0.35% below tier average
  • - Efficiency Ratio 8.72% above tier average
Get updates when The Peoples Savings Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Total Assets ? $189.3M
+11.1% YoY +2.1% QoQ
-$197.2M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
24%
Total Loans ? $156.2M
+10.2% YoY +0.4% QoQ
-$102.1M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
37%
Total Deposits ? $172.5M
+13.2% YoY +3.3% QoQ
-$154.2M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
27%
Return on Assets ? 0.72%
+16.4% YoY +1.0% QoQ
-0.61% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
20%
Net Interest Margin ? 3.63%
+2.3% YoY +3.6% QoQ
-0.35% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
34%
Efficiency Ratio ? 73.20%
-9.2% YoY -2.3% QoQ
+8.72% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
23%
Delinquency Rate ? 0.88%
+85.9% YoY +4.2% QoQ
-0.04% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
32%
Loan-to-Deposit Ratio ? 90.54%
-2.6% YoY -2.8% QoQ
+12.59% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
25%
Non-Interest-Bearing Deposit Share ? 9.08%
-7.6% YoY -0.2% QoQ
-12.95% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
Bottom 8.8% in tier
Nonperforming Asset Ratio ? 0.73%
+84.4% YoY +2.4% QoQ
+0.06% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
29%
Tier 1 Capital Ratio ? 8.96%
-4.0% YoY -1.4% QoQ
-6.95% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
Bottom 0.8% in tier
Non-Interest Income / Assets ? 0.09%
-14.7% YoY +84.6% QoQ
-0.48% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Bottom 14.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Noninterest-Bearing 9.1%
-0.7pp YoY
0.0pp QoQ
 -13.1pp 22.1% 18.8% 22.2% 8%
Brokered Deposits n/a n/a 7.9% 7.7% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
C&I 1.6%
-0.5pp YoY
0.0pp QoQ
 -9.9pp 11.6% 10.2% 12.5% 5%
CRE 23.4%
-0.8pp YoY
-1.3pp QoQ
 -16.1pp 39.5% 34.2% 41.4% 24%
1-4 Family 71.6%
+2.2pp YoY
+1.6pp QoQ
 +38.9pp 32.6% 50.0% 31.3% 95%
Consumer 2.0%
-0.3pp YoY
0.0pp QoQ
 -2.1pp 4.1% 4.7% 5.0% 48%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 22.1% 19.7% n/a
Leverage Ratio 9.0%
-0.4pp YoY
-0.1pp QoQ
 -3.2pp 12.2% 12.9% 12.6% 12%
Total Capital Ratio n/a n/a 19.9% 23.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 27
0 YoY
0 QoQ
 -32 58 2,433 482 22%
Assets per Employee ($) $7.0M
+11.1% YoY
+2.1% QoQ
 -$506K $7.5M $7.6M $8.8M 52%
Branch Count 2
0 YoY
0 QoQ
 -3 4 81 18 11%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Past Due 90+ Days 0.2%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.3% 0.2% 0.4% 61%
Nonaccrual 0.7%
+0.3pp YoY
+0.1pp QoQ
 -0.2pp 0.9% 0.6% 1.0% 63%
Allowance Coverage 0.94x
-44.5% YoY
+1.6% QoQ
 -23.21x 24.15x 18.95x 20.23x 25%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
-0.1pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 75%

Profitability

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
ROE 8.6%
+1.4pp YoY
+0.1pp QoQ
 -3.6pp 12.2% 9.7% 11.6% 28%
Cost of Funds (YTD) 2.0%
+0.1pp YoY
0.0pp QoQ
 +0.3pp 1.7% 1.7% 1.7% 68%
Net Income ($, YTD) $662,000
+30.1% YoY
— QoQ
 -$1.9M $2.6M $259.3M $40.4M 15%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Strain

risk
#290 of 691 • Bottom 41.8% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 90.54%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (6 metrics)

2624
Tier 1 Capital Ratio
capital
Value: 8.96%
Peer Median: 15.91%
#2624 of 2643 Bottom 0.8% in $100M-$1B
2411
Non-Interest-Bearing Deposit Share
funding
Value: 9.08%
Peer Median: 22.03%
#2411 of 2643 Bottom 8.8% in $100M-$1B
2255
Non-Interest Income / Assets
revenue_mix
Value: 0.09%
Peer Median: 0.57%
#2255 of 2643 Bottom 14.7% in $100M-$1B
2125
Return on Assets
profitability
Value: 0.72%
Peer Median: 1.32%
#2125 of 2643 Bottom 19.6% in $100M-$1B
2028
Efficiency Ratio
profitability
Value: 73.20%
Peer Median: 64.48%
#2028 of 2643 Bottom 23.3% in $100M-$1B
2016
Total Assets
size
Value: $189.32M
Peer Median: $386.57M
#2016 of 2643 Bottom 23.8% in $100M-$1B
Powered by BlastPoint © 2026