The Peoples Savings Bank: how it compares with its peers
Against 39 OH banks with half to twice its assets, The Peoples Savings Bank's strongest measure in Q2 2026 is efficiency ratio (73.15% vs. a 78.36% peer median). Its weakest relative measure is assets per employee ($4.2M vs. $5.6M).
| Measure | The Peoples Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.81% | 0.75% | Middle third Ahead of 56% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.81% | 3.76% | Middle third Ahead of 51% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.15% | 78.36% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $4.2M | $5.6M | Bottom third Ahead of 23% of peers |
| Loans to deposits Net loans and leases over total deposits. | 54.05% | 78.17% | Context |
What it means for lending operations
Its efficiency ratio of 73.15% is better than the 78.36% 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
- Conneaut Savings Bank Conneaut, OH · $77M
- The First National Bank of Blanchester Blanchester, OH · $78M
- Versailles Savings and Loan Company Versailles, OH · $66M
- Galion Building and Loan Bank Galion, OH · $79M
- The Peoples Bank Gambier, OH · $60M
- The Waterford Commercial and Savings Bank Waterford, OH · $60M
Questions about The Peoples Savings Bank
How big is The Peoples Savings Bank?
The Peoples Savings Bank, established in 1911, is headquartered in New Matamoras, OH. It reported $72M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is The Peoples Savings Bank's return on assets?
0.81% annualized in Q2 2026, against a 0.75% median for 39 OH banks with half to twice its assets, ahead of 56% of them.
What is The Peoples Savings Bank's efficiency ratio?
73.15% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 78.36%, and lower is better.
Is The Peoples Savings Bank growing its loans?
Net loans grew 3.4% over the year to Q2 2026, while deposits grew 0.8%.
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.