| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +1.6% | +3.0% | -1.4 pts |
| Deposit growth (YoY) | +0.8% | +2.5% | -1.7 pts |
| Loan growth (YoY) | +3.4% | +2.6% | +0.8 pts |
| ROA | 0.81% | 0.99% | -0.2 pts |
| ROE | 6.8% | 8.1% | -1.3 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $71.9M | $63.5M | $34.3M | $8.3M | $279K | 0.81% | 3.81% | 0.76% |
| Q1 2026 | $68.1M | $59.7M | $34.0M | $8.3M | $127K | 0.75% | 3.80% | 0.72% |
| Q4 2025 | $67.8M | $59.5M | $33.8M | $8.2M | $597K | 0.88% | 3.96% | 0.59% |
| Q3 2025 | $67.8M | $59.6M | $33.3M | $8.1M | $435K | 0.86% | 3.94% | 0.49% |
| Q2 2025 | $70.7M | $63.0M | $33.2M | $7.6M | $277K | 0.82% | 3.88% | 0.46% |
| Q1 2025 | $66.6M | $59.0M | $33.7M | $7.5M | $132K | 0.80% | 3.77% | 0.34% |
| Q4 2024 | $65.6M | $58.5M | $32.7M | $7.0M | $540K | 0.82% | 3.72% | 0.36% |
| Q3 2024 | $65.1M | $57.6M | $32.2M | $7.3M | $384K | 0.78% | 3.69% | 0.29% |
Loan mix (Q2 2026): real estate $30.4M · commercial $1.3M · consumer $3.0M · securities $28.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.81% | 0.99% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 6.8% | 8.1% | 41st | |
Net interest margin Interest income − interest expense, ÷ assets | 3.81% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.1% | 70.8% | 55th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | The Peoples Savings Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2024) · $63.0M branch deposits. Biggest market: Monroe, OH, ranked 5th with 14.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Monroe, OH | 1 | $63.0M | 14.06% | 5th |
| Washington, OH | 2 | $0 | 0.00% | 13th |
Ohio: 261st with 0.01% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3