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The Peoples Savings Bank
Urbana, OH · FDIC Certificate #29975 · Chartered 01/0
Total assets
$189.32M
Total deposits
$172.53M
Total equity
$15.74M
Net loans
$156.22M
Branches (offices)
2
Net income (YTD)
$662.00K
Rank: #3,051 of 4,213 U.S. banks by assets · #102 of 155 in Ohio. Assets changed 11.1% and deposits 13.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.72% |
| Return on equity | 8.58% |
| Net interest margin (YTD) | 3.63% |
| Equity to assets | 8.31% |
| Tier 1 leverage ratio | 8.96% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 0.87% |
| Net charge-offs (share of loans) | 0.09% |
| Loans to deposits | 90.5% |
| Real estate loans (share of loans) | 97.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $152.02M | 97.3% | |
| Commercial & industrial | $2.56M | 1.6% | |
| Consumer / individual | $3.14M | 2.0% | |
| Construction & development | $7.25M | 4.6% | |
| Agricultural | $93.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $149.56M | $129.41M | $430.00K | $10.39M |
| Jun 2023 | $145.52M | $126.77M | $419.00K | $12.98M |
| Jun 2024 | $154.91M | $136.93M | -$40.00K | $13.45M |
| Jun 2025 | $170.33M | $152.45M | $509.00K | $14.41M |
| Jun 2026 | $189.32M | $172.53M | $662.00K | $15.74M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $172.53M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $172.53M.
Similar-sized banks
The First State Bank Of Malta ($189.67M) · Peoples Savings Bank ($189.11M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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