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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 147th largest bank in the state of Ohio. It is also the 4,613st largest bank in the nation. It was established in 1892 and as of June of 2014, it had grown to 27 employees at 2 locations. The Peoples Savings Bank (OH) has a B health rating.

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Health

Data for Q2 2014

Institution Health

B

Texas Ratio

GRADE:
C

The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of June 30, 2014 The Peoples Savings Bank (OH) had $3.71 million in non-current loans and owned real-estate with $10.46 million in equity and loan loss allowances on hand to cover it. This gives The Peoples Savings Bank (OH) a Texas Ratio of 35.51% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend

GRADE:
B+

The Texas Ratio for The Peoples Savings Bank (OH) decreased slightly from 44.11% as of June 30, 2013 to 35.51% as of June 30, 2014, resulting in a positive change of 19.48%.This indicates that the balance sheet and financial strength for The Peoples Savings Bank (OH) has improved slightly in recent periods.

Deposit Growth

GRADE:
A

In the past year, The Peoples Savings Bank (OH) has increased its total deposits by $3.38 million, resulting in 4.35% 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 excellent.

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 $102.81 million in assets with $10.46 million in equity, resulting in a capitalization level of 10.17%, which is above average.

Institution Statistics

Overall
FDIC Certificate #29975
Year Established1892
Employees27
Primary RegulatorFDIC
Assets and Liabilities
Assets$102.81 million
Loans$89.76 million
Deposits$81.20 million
Equity Capital$9.80 million
Loan Loss Allowance$660,000
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$285,000
Historic Data - June 2013
Assets$99.76 million
Equity Capital$10.05 million
Loan Loss Allowance$788,000
Unbacked Noncurrent Loans$3.43 million
Real Estate Owned$826,000
Profit Margin - Quarterly
Return on Assets-0.64%
Return on Equity-6.58%
Interest Income$2.45 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
1.01%$500-36 Month IRA
0.51%$500-18 Month IRA
0.26%$500-6 Month IRA
Locations


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