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937-653-1600
10 Monument Square
Urbana, OH 43078

The Peoples Savings Bank (OH) is headquartered in Urbana and is the 148th largest bank in the state of Ohio. It is also the 4,702nd largest bank in the nation. It was established in 1892 and as of December of 2013, it had grown to 27 employees at 2 locations. The Peoples Savings Bank (OH) has a C+ health rating.

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Health

Data for Q4 2013

Institution Health

C+

Texas Ratio

GRADE:
C

The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 The Peoples Savings Bank (OH) had $4.1 million in non-current loans and owned real-estate with $10.94 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Savings Bank (OH) a Texas Ratio of 37.45% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
C+

The Texas Ratio for The Peoples Savings Bank (OH) experienced no significant changes from 36.64% as of December 31, 2012 to 37.45% as of December 31, 2013, resulting in a negative change of 2.22%. This indicates that the balance sheet and financial strength for The Peoples Savings Bank (OH) has had no significant changes in recent periods.

Deposit Growth

GRADE:
C

In the past year, The Peoples Savings Bank (OH) has decreased its total deposits by -$1.34 million, resulting in -1.68% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth The Peoples Savings Bank (OH) has shown is average.

Capitalization

GRADE:
B+

Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. The Peoples Savings Bank (OH) has $102.13 million in assets with $10.94 million in equity, resulting in a capitalization level of 10.71%, which is above average.

Institution Statistics

Overall
FDIC Certificate #29975
Year Established1892
Employees27
Primary RegulatorFDIC
Assets and Liabilities
Assets$102.13 million
Loans$87.51 million
Deposits$78.61 million
Equity Capital$10.14 million
Loan Loss Allowance$797,000
Unbacked Noncurrent Loans$3.54 million
Real Estate Owned$558,000
Historic Data - December 2012
Assets$102.16 million
Equity Capital$10.07 million
Loan Loss Allowance$894,000
Unbacked Noncurrent Loans$3.54 million
Real Estate Owned$498,000
Profit Margin - Quarterly
Net Interest Margin4.04%
Return on Assets-0.01%
Return on Equity-0.12%
Interest Income$4.70 million
Rates
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The Peoples Savings Bank (OH) CD Rates

DetailsAPYMINMAXPRODUCT
0.86%$500-48 Month CD
0.56%$500-36 Month CD
0.41%$500-24 Month CD
0.31%$500-18 Month CD
0.21%$500-12 Month CD
0.11%$500-6 Month CD

The Peoples Savings Bank (OH) IRA Rates

DetailsAPYMINMAXPRODUCT
2.01%$500-6-10 Year IRA (Traditional,Roth)
1.01%$500-36 Month IRA (Traditional,Roth)
0.51%$500-18 Month IRA (Traditional,Roth)
0.26%$500-6 Month IRA (Traditional,Roth)
Locations


The Peoples Savings Bank (OH) Locations
The Peoples Savings Bank10 Monument SquareUrbana, OH 43078
618 Scioto Street Branch618 Scioto StreetUrbana, OH 43078