Peoples State Bank is a state-chartered bank headquartered in New Lexington, Ohio, in business for about 94 years. At the end of Q2 2026 it reported $286.5M in total assets and $256.8M in deposits, with 6 offices.
Based on its Q2 2026 filing, Peoples State Bank scores 61/100, which we describe as moderate. That is higher than only 20% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 130th. Its strongest component is problem-loan coverage (89/100; 5.3%), and its lowest is capital cushion (33/100; 8.32%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 2 points (63 → 61), mostly because the loan quality component weakened by 15 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 54 |
| Q4 2024 | 59 |
| Q1 2025 | 59 |
| Q2 2025 | 63 |
| Q3 2025 | 65 |
| Q4 2025 | 65 |
| Q1 2026 | 65 |
| Q2 2026 | 61 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 6.92% |
| Q3 2024 | 6.53% |
| Q4 2024 | 7.62% |
| Q1 2025 | 7.69% |
| Q2 2025 | 7.76% |
| Q3 2025 | 7.84% |
| Q4 2025 | 8.06% |
| Q1 2026 | 8.02% |
| Q2 2026 | 8.32% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.13% |
| Q3 2024 | 0.29% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.47% |
| Q2 2025 | 0.16% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.17% |
| Q1 2026 | 0.13% |
| Q2 2026 | 0.60% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.38% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.76% |
| Q3 2025 | 0.89% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.94% |
| Q2 2026 | 0.99% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 61 | $286.5M | 8.32% | 0.60% | 0.99% | 87.8% |
| Q1 2026 | 65 | $304.4M | 8.02% | 0.13% | 0.94% | 77.5% |
| Q4 2025 | 65 | $279.9M | 8.06% | 0.17% | 0.91% | 81.6% |
| Q3 2025 | 65 | $281.8M | 7.84% | 0.13% | 0.89% | 77.6% |
| Q2 2025 | 63 | $276.0M | 7.76% | 0.16% | 0.76% | 77.8% |
| Q1 2025 | 59 | $270.8M | 7.69% | 0.47% | 0.66% | 77.2% |
| Q4 2024 | 59 | $266.1M | 7.62% | 0.40% | 0.56% | 75.5% |
| Q3 2024 | 54 | $231.7M | 6.53% | 0.29% | 0.38% | 74.1% |
| Q2 2024 | 57 | $223.5M | 6.92% | 0.13% | 0.32% | 74.4% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Fort Jennings State BankBank Fort Jennings, OH | 75 out of 100, Strong | $285.8M | 12.7% | 1.09% | vs |
| Community SavingsBank Caldwell, OH | 70 out of 100, Strong | $284.7M | 12.4% | 0.88% | vs |
| First Federal Bank of OhioBank Galion, OH | 75 out of 100, Strong | $282.9M | 13.7% | 0.93% | vs |
| Somerville BankBank Eaton, OH | 60 out of 100, Moderate | $290.6M | 9.5% | 1.10% | vs |
| Fairfield Federal Savings and Loan Association of LancasterBank Lancaster, OH | 70 out of 100, Strong | $281.5M | 11.8% | 0.18% | vs |
| First Federal Savings and Loan AssociationBank Newark, OH | 70 out of 100, Strong | $293.5M | 14.2% | 1.28% | vs |
Deposit insurance
Is my money safe at Peoples State Bank?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #6659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.4% of deposits ($55.0M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 8.32%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.77% (benchmark: 10%).
6 locations
Branches
Peoples State Bank lists 6 offices in 5 cities. Most locations:
- Pataskala, OH (2)
- Junction City, OH (1)
- New Lexington, OH (1)
- Roseville, OH (1)
- Thornville, OH (1)
HMDA 2025
Mortgage lending
In 2025, Peoples State Bank reported 113 home-loan applications under HMDA (LEI 2549008L3Z5ZSC32UL43): 104 originated ($32,200,000 total), 2 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.9%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Peoples State Bank
- Former names
- The Peoples National Bank of New Lexington
- Type
- State-chartered bank
- FDIC certificate #
- 6659
- RSSD ID
- 431323
- Primary regulator
- FDIC
- Holding company
- Peoples Natl Bancshares Inc
- Established
- February 15, 1932
- Headquarters
- 114 N Main St, New Lexington, OH 43764
- Website
- www.psbohio.com
- Employees
- 56
Quick answers
Peoples State Bank: common questions
Is Peoples State Bank FDIC insured?
Yes. Peoples State Bank is an FDIC-insured institution (FDIC certificate #6659). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Peoples State Bank's TellerScore?
61 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Peoples State Bank ever failed?
There is no failure record for FDIC certificate #6659 in the FDIC failed bank list.
How many branches does Peoples State Bank have?
6 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near New Lexington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Waterford Commercial and Savings BankBank Waterford, OH | 83 out of 100, Strong | $60.0M | 13.6% | 0.09% | vs |
| Genesis Employees Credit UnionCredit union Zanesville, OH | 80 out of 100, Strong | $22.2M | 14.4% | 1.61% | vs |
| The Community BankBank Zanesville, OH | 74 out of 100, Strong | $680.1M | 10.6% | 0.23% | vs |
| Union Savings BankBank Cincinnati, OH | 74 out of 100, Strong | $4.0B | 10.5% | 0.70% | vs |
| The Vinton County National BankBank Mcarthur, OH | 73 out of 100, Strong | $1.6B | 10.5% | 0.27% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |