The Peoples Savings Bank: how it compares with its peers
Against 72 OH banks with half to twice its assets, The Peoples Savings Bank's strongest measure in Q2 2026 is assets per employee ($7.0M vs. a $5.8M peer median). Its weakest relative measure is return on assets (0.72% vs. 0.88%).
| Measure | The Peoples Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.72% | 0.88% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.63% | 3.74% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.20% | 74.29% | Middle third Ahead of 51% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.0M | $5.8M | Top third Ahead of 71% of peers |
| Loans to deposits Net loans and leases over total deposits. | 90.54% | 80.64% | Context |
What it means for lending operations
Its efficiency ratio of 73.20% is better than the 74.29% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Farmers State Bank West Salem, OH · $188M
- Independence Bank Independence, OH · $191M
- Valley Central Bank Liberty Township, OH · $187M
- Citizens Federal Savings and Loan Association Bellefontaine, OH · $186M
- The Cincinnatus Savings & Loan Co. Cincinnati, OH · $193M
- The First National Bank of Waverly Waverly, OH · $196M
Questions about The Peoples Savings Bank
How big is The Peoples Savings Bank?
The Peoples Savings Bank, established in 1892, is headquartered in Urbana, OH. It reported $189M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Peoples Savings Bank's return on assets?
0.72% annualized in Q2 2026, against a 0.88% median for 72 OH banks with half to twice its assets, ahead of 40% of them.
What is The Peoples Savings Bank's efficiency ratio?
73.20% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 74.29%, and lower is better.
Is The Peoples Savings Bank growing its loans?
Net loans grew 10.2% over the year to Q2 2026, while deposits grew 13.2%.
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 OH 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 Ohio bank ranked.