Peoples Trust and Savings Bank: how it compares with its peers
Against 36 IN banks with half to twice its assets, Peoples Trust and Savings Bank's strongest measure in Q2 2026 is assets per employee ($5.2M vs. a $6.5M peer median). Its weakest relative measure is return on assets (0.11% vs. 1.05%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.11% | 1.05% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 2.70% | 3.67% | Bottom third Ahead of 3% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.40% | 66.93% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $6.5M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.38% | 80.20% | Context |
What it means for lending operations
Its efficiency ratio of 93.40% is above the 66.93% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Hendricks County Bank and Trust Company Brownsburg, IN · $247M
- Wayne Bank and Trust Co. Richmond, IN · $255M
- Union Savings and Loan Association Connersville, IN · $262M
- The Farmers and Merchants Bank Boswell, IN · $213M
- Logansport Savings Bank Logansport, IN · $277M
- Bank of Wolcott Wolcott, IN · $280M
Questions about Peoples Trust and Savings Bank
How big is Peoples Trust and Savings Bank?
Peoples Trust and Savings Bank, established in 1895, is headquartered in Boonville, IN. It reported $241M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Peoples Trust and Savings Bank's return on assets?
0.11% annualized in Q2 2026, against a 1.05% median for 36 IN banks with half to twice its assets, ahead of 0% of them.
What is Peoples Trust and Savings Bank's efficiency ratio?
93.40% in Q2 2026: it spent about 93 cents in noninterest expense for each dollar of revenue. The peer median is 66.93%, and lower is better.
Is Peoples Trust and Savings Bank growing its loans?
Net loans shrank 2.3% over the year to Q2 2026, while deposits shrank 2.0%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are IN banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Indiana bank ranked.