The Peoples Savings Bank (FDIC certificate #29975) is based in Urbana, Ohio. Its Q2 2026 call report shows $189.3M in total assets and $172.5M in deposits and 2 offices.
Based on its Q2 2026 filing, The Peoples Savings Bank scores 57/100, which we describe as moderate. That is higher than only 14% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 142nd. Its strongest component is problem-loan coverage (84/100; 8.1%), and its lowest is capital cushion (40/100; 8.96%).
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 5 points (62 → 57), mostly because the loan quality component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 53 |
| Q3 2024 | 58 |
| Q4 2024 | 57 |
| Q1 2025 | 61 |
| Q2 2025 | 62 |
| Q3 2025 | 60 |
| Q4 2025 | 54 |
| Q1 2026 | 57 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.74% |
| Q3 2024 | 9.86% |
| Q4 2024 | 9.61% |
| Q1 2025 | 9.57% |
| Q2 2025 | 9.33% |
| Q3 2025 | 9.31% |
| Q4 2025 | 9.06% |
| Q1 2026 | 9.08% |
| Q2 2026 | 8.96% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.95% |
| Q3 2024 | 0.65% |
| Q4 2024 | 0.63% |
| Q1 2025 | 0.66% |
| Q2 2025 | 0.47% |
| Q3 2025 | 0.53% |
| Q4 2025 | 0.99% |
| Q1 2026 | 0.84% |
| Q2 2026 | 0.87% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.05% |
| Q3 2024 | 0.20% |
| Q4 2024 | 0.18% |
| Q1 2025 | 0.67% |
| Q2 2025 | 0.62% |
| Q3 2025 | 0.56% |
| Q4 2025 | 0.54% |
| Q1 2026 | 0.71% |
| Q2 2026 | 0.72% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $189.3M | 8.96% | 0.87% | 0.72% | 90.5% |
| Q1 2026 | 57 | $185.4M | 9.08% | 0.84% | 0.71% | 93.2% |
| Q4 2025 | 54 | $180.2M | 9.06% | 0.99% | 0.54% | 96.2% |
| Q3 2025 | 60 | $177.2M | 9.31% | 0.53% | 0.56% | 95.0% |
| Q2 2025 | 62 | $170.3M | 9.33% | 0.47% | 0.62% | 93.0% |
| Q1 2025 | 61 | $166.5M | 9.57% | 0.66% | 0.67% | 92.8% |
| Q4 2024 | 57 | $159.6M | 9.61% | 0.63% | 0.18% | 100.1% |
| Q3 2024 | 58 | $159.8M | 9.86% | 0.65% | 0.20% | 94.8% |
| Q2 2024 | 53 | $154.9M | 9.74% | 0.95% | -0.05% | 96.5% |
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 |
|---|---|---|---|---|---|
| Farmers State BankBank West Salem, OH | 72 out of 100, Strong | $187.5M | 9.3% | 0.00% | vs |
| Independence BankBank Independence, OH | 81 out of 100, Strong | $191.2M | 14.5% | 0.26% | vs |
| Valley Central BankBank Liberty Township, OH | 62 out of 100, Moderate | $186.7M | 20.1% | 2.17% | vs |
| Citizens Federal Savings and Loan AssociationBank Bellefontaine, OH | 70 out of 100, Strong | $186.1M | 10.9% | 0.03% | vs |
| The Cincinnatus Savings & Loan Co.Bank Cincinnati, OH | 84 out of 100, Strong | $193.1M | 15.3% | 0.26% | vs |
| The First National Bank of WaverlyBank Waverly, OH | 41 out of 100, Below average | $196.2M | 9.2% | 3.61% | vs |
Deposit insurance
Is my money safe at The Peoples Savings Bank?
Yes. The Peoples Savings Bank is an FDIC-insured institution (FDIC certificate #29975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 21.4% of deposits ($36.9M) 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 8.96%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
2 locations
Branches
The Peoples Savings Bank lists 2 offices in 1 city. Most locations:
- Urbana, OH (2)
Identity & history
Profile
- Legal name
- The Peoples Savings Bank
- Former names
- Peoples Savings and Loan Company
- Type
- Savings association
- FDIC certificate #
- 29975
- RSSD ID
- 819172
- Primary regulator
- FDIC
- Established
- January 1, 1892
- Headquarters
- 10 Monument Sq, Urbana, OH 43078
- Employees
- 27
Quick answers
The Peoples Savings Bank: common questions
Is The Peoples Savings Bank FDIC insured?
Yes. The Peoples Savings Bank is an FDIC-insured institution (FDIC certificate #29975). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Peoples Savings Bank's TellerScore?
57 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 The Peoples Savings Bank ever failed?
There is no failure record for FDIC certificate #29975 in the FDIC failed bank list.
How many branches does The Peoples Savings Bank have?
2 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Urbana
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First Central National Bank of St. ParisBank St. Paris, OH | 87 out of 100, Very strong | $97.0M | 18.9% | 0.02% | vs |
| Civista BankBank Sandusky, OH | 75 out of 100, Strong | $4.3B | 12.7% | 0.92% | vs |
| Ih Credit Union, Inc.Credit union Springfield, OH | 74 out of 100, Strong | $362.7M | 16.0% | 1.70% | vs |
| Kemba Financial Credit UnionCredit union Gahanna, OH | 74 out of 100, Strong | $2.5B | 12.6% | 0.58% | vs |
| River Valley Credit UnionCredit union Miamisburg, OH | 73 out of 100, Strong | $502.3M | 12.0% | 0.48% | vs |
| The Park National BankBank Newark, OH | 72 out of 100, Strong | $12.6B | 10.3% | 0.86% | vs |