BlastPoint's Banking Scorecard
The Peoples Savings Bank
Designations: ✓ Community bank
New Matamoras, OH
3 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +0.8% year over year ($63.5M on the books).
- Delinquency rate 1.60%.
- Return on assets 0.81%.
- Efficiency ratio 73.15% vs a 119.40% peer average.
- Loan-to-deposit ratio 54.05% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Savings Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 46.25% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.19% below tier average
- - Net Interest Margin 0.10% below tier average
- - Delinquency Rate 0.12% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$71.9M
+1.6% YoY
+5.5% QoQ
|
+$9.4M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
59% |
| Total Loans ? |
$34.3M
+3.4% YoY
+1.0% QoQ
|
-$590K |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
52% |
| Total Deposits ? |
$63.5M
+0.8% YoY
+6.3% QoQ
|
+$11.8M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
64% |
| Return on Assets ? |
0.81%
-1.7% YoY
+7.8% QoQ
|
-0.19% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
40% |
| Net Interest Margin ? |
3.81%
-1.7% YoY
+0.3% QoQ
|
-0.10% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
47% |
| Efficiency Ratio ? |
73.15%
+1.0% YoY
-2.3% QoQ
|
-46.25% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
45% |
| Delinquency Rate ? |
1.60%
+61.6% YoY
+10.6% QoQ
|
+0.12% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
54.05%
+2.6% YoY
-5.0% QoQ
|
-20.16% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
66% |
| Non-Interest-Bearing Deposit Share ? |
25.98%
+16.4% YoY
+6.1% QoQ
|
+2.49% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
62% |
| Nonperforming Asset Ratio ? |
0.76%
+64.4% YoY
+5.7% QoQ
|
-0.07% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
29% |
| Tier 1 Capital Ratio ? |
13.45%
+1.1% YoY
-3.1% QoQ
|
-13.67% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
35% |
| Non-Interest Income / Assets ? |
0.17%
+5.4% YoY
+96.0% QoQ
|
-1.21% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
63% |
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 |
26.0%
+3.7pp YoY +1.5pp QoQ |
+1.3pp | 24.6% | 18.8% | 22.2% | 60% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
3.9%
-0.1pp YoY +0.3pp QoQ |
-9.6pp | 13.4% | 10.2% | 12.5% | 13% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
77.0%
+5.5pp YoY -1.8pp QoQ |
+42.0pp | 35.0% | 50.0% | 31.3% | 90% |
| Consumer |
8.8%
-0.2pp YoY -0.1pp QoQ |
+1.1pp | 7.7% | 4.7% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
13.5%
+0.1pp YoY -0.4pp QoQ |
-4.2pp | 17.7% | 12.9% | 12.6% | 57% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
17
+1 (+6.2%) YoY +1 (+6.2%) QoQ |
+5 | 12 | 2,433 | 482 | 81% |
| Assets per Employee ($) |
$4.2M
-4.4% YoY -0.7% QoQ |
-$2.0M | $6.2M | $7.6M | $8.8M | 24% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 81 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
1.6%
+1.0pp YoY +0.2pp QoQ |
-0.1pp | 1.7% | 0.6% | 1.0% | 68% |
| Allowance Coverage |
0.86x
-39.4% YoY -9.2% QoQ |
-5.55x | 6.41x | 18.95x | 20.23x | 39% |
| Net Charge-off Rate (YTD) |
0.1%
+0.1pp YoY -0.1pp QoQ |
0.0pp | 0.2% | 0.1% | 0.2% | 71% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
6.8%
-0.8pp YoY +0.6pp QoQ |
+0.4pp | 6.4% | 9.7% | 11.6% | 41% |
| Cost of Funds (YTD) |
0.7%
+0.1pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.7% | 1.7% | 14% |
| Net Income ($, YTD) |
$279,000
+0.7% YoY — QoQ |
-$39K | $317,817 | $259.3M | $40.4M | 49% |
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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.