BlastPoint's Banking Scorecard

Peoples State Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 6659

New Lexington, OH

6 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

Peoples State Bank has 2 strengths but faces 2 concerns

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

+ Net Interest Margin 0.20% above tier average
+ Delinquency Rate 0.75% below tier average

Key Concerns

Areas that may need attention

- ROA 0.33% below tier average
- Efficiency Ratio 3.84% above tier average

Get updates when Peoples State Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$304.4M +12.4% YoY +8.8% QoQ	-$81.6M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	47%
Total Loans ?	$216.5M +12.7% YoY +4.0% QoQ	-$39.2M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	53%
Total Deposits ?	$279.3M +12.2% YoY +9.4% QoQ	-$48.6M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	51%
Return on Assets ?	0.94% +40.7% YoY +2.7% QoQ	-0.33%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	34%
Net Interest Margin ?	4.13% +13.5% YoY +4.6% QoQ	+0.20%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	64%
Efficiency Ratio ?	69.13% -10.0% YoY -1.6% QoQ	+3.84%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	35%
Delinquency Rate ?	0.13% -71.6% YoY -23.6% QoQ	-0.75%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	70%
Loan-to-Deposit Ratio ?	77.52% +0.4% YoY -5.0% QoQ	+0.88%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	52%
Non-Interest-Bearing Deposit Share ?	25.14% -7.6% YoY -6.1% QoQ	+3.12%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	67%
Nonperforming Asset Ratio ?	0.10% -71.6% YoY -27.0% QoQ	-0.54%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	71%
Tier 1 Capital Ratio ?	13.08% -0.6% YoY -1.5% QoQ	-2.75%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	48%
Non-Interest Income / Assets ?	0.08% -17.6% YoY -83.2% QoQ	-0.20%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	41%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (0 metrics)

No weakness rankings available