BlastPoint's Banking Scorecard
Peoples State Bank
New Lexington, OH
6 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 +1.4% year over year ($256.8M on the books).
- Delinquency rate 0.60%.
- Return on assets 0.99%.
- Efficiency ratio 69.07% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.81% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples State Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.30% above tier average
- + Delinquency Rate 0.32% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.33% below tier average
- - Efficiency Ratio 4.59% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$286.5M
+3.8% YoY
-5.9% QoQ
|
-$100.1M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
43% |
| Total Loans ? |
$225.5M
+14.4% YoY
+4.1% QoQ
|
-$32.9M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
54% |
| Total Deposits ? |
$256.8M
+1.4% YoY
-8.1% QoQ
|
-$69.9M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
46% |
| Return on Assets ? |
0.99%
+30.9% YoY
+5.7% QoQ
|
-0.33% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
33% |
| Net Interest Margin ? |
4.29%
+13.3% YoY
+3.8% QoQ
|
+0.30% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
70% |
| Efficiency Ratio ? |
69.07%
-6.9% YoY
-0.1% QoQ
|
+4.59% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
32% |
| Delinquency Rate ? |
0.60%
+272.5% YoY
+350.4% QoQ
|
-0.32% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
42% |
| Loan-to-Deposit Ratio ? |
87.81%
+12.8% YoY
+13.3% QoQ
|
+9.85% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
25.58%
-1.6% YoY
+1.8% QoQ
|
+3.55% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.47%
+310.7% YoY
+398.4% QoQ
|
-0.19% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
41% |
| Tier 1 Capital Ratio ? |
12.97%
-2.1% YoY
-0.9% QoQ
|
-2.94% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.20%
-3.3% YoY
+142.8% QoQ
|
-0.36% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
50% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
25.6%
-0.4pp YoY +0.4pp QoQ |
+3.4pp | 22.1% | 18.8% | 22.2% | 68% |
| Brokered Deposits |
3.9%
-2.0pp YoY +0.3pp QoQ |
-4.0pp | 7.9% | 7.7% | 8.5% | 44% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
3.8%
+0.2pp YoY 0.0pp QoQ |
-7.7pp | 11.6% | 10.2% | 12.5% | 13% |
| CRE |
23.2%
+2.1pp YoY +0.7pp QoQ |
-16.3pp | 39.5% | 34.2% | 41.4% | 23% |
| 1-4 Family |
63.9%
-0.6pp YoY -0.5pp QoQ |
+31.3pp | 32.6% | 50.0% | 31.3% | 92% |
| Consumer |
6.0%
-1.2pp YoY -0.3pp QoQ |
+1.9pp | 4.1% | 4.7% | 5.0% | 82% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
13.0%
-0.3pp YoY -0.1pp QoQ |
-5.9pp | 18.8% | 22.1% | 19.7% | 28% |
| Leverage Ratio |
8.3%
+0.6pp YoY +0.3pp QoQ |
-3.8pp | 12.2% | 12.9% | 12.6% | 4% |
| Total Capital Ratio |
13.8%
-0.3pp YoY -0.1pp QoQ |
-6.2pp | 19.9% | 23.2% | 20.8% | 24% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
56
+4 (+7.7%) YoY 0 QoQ |
-3 | 58 | 2,433 | 482 | 60% |
| Assets per Employee ($) |
$5.1M
-3.6% YoY -5.9% QoQ |
-$2.4M | $7.5M | $7.6M | $8.8M | 16% |
| Branch Count |
6
0 YoY 0 QoQ |
+1 | 4 | 81 | 18 | 66% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.3pp | 0.3% | 0.2% | 0.4% | 35% |
| Nonaccrual |
0.6%
+0.4pp YoY +0.5pp QoQ |
-0.4pp | 0.9% | 0.6% | 1.0% | 56% |
| Allowance Coverage |
1.09x
-74.9% YoY -78.2% QoQ |
-23.07x | 24.15x | 18.95x | 20.23x | 29% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 48% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+2.0pp YoY +0.4pp QoQ |
0.0pp | 12.2% | 9.7% | 11.6% | 51% |
| Cost of Funds (YTD) |
1.3%
-0.2pp YoY 0.0pp QoQ |
-0.4pp | 1.7% | 1.7% | 1.7% | 26% |
| Net Income ($, YTD) |
$1.4M
+40.3% YoY — QoQ |
-$1.1M | $2.6M | $259.3M | $40.4M | 40% |
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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 (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.