What is Peoples State Bank's financial health grade?

Peoples State Bank has a TFS Financial Health Grade of C (score: 73.6/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Peoples State Bank have?

Peoples State Bank has 6 branch locations across the United States.

Is Peoples State Bank FDIC insured?

Yes, Peoples State Bank is FDIC insured (Certificate #6659).

What are the total assets of Peoples State Bank?

Peoples State Bank has total assets of $279.9M as reported in its most recent FDIC filing.

Peoples State Bank

BankNew Lexington, Ohio

www.psbohio.com

Total Assets

$279.9M

Total Deposits

$255.3M

Branches

Established

1932

TFS Health Grade

73.6 / 100

Average financial health

How we grade

Peoples State Bank is a bank headquartered in New Lexington, Ohio, established in 1932. With $279.9M in total assets and 6 branch locations, it has a TFS Financial Health Grade of C (73.6/100).

Capital & Safety

Tier 1 Capital Ratio

8.06%(8%)

Total Capital Ratio

14.09%(10%)

Non-Performing Loan Ratio

0.17%

Profitability

Return on Assets (ROA)

0.91%(1%)

Return on Equity (ROE)

11.80%(10%)

Net Interest Margin

3.95%

Efficiency Ratio

70.25%(60%)

Lending & Liquidity

Total Loans

$209.6M

Loan-to-Deposit Ratio

81.56%

Net Charge-Off Ratio

0.05%

Growth

Asset Growth (YoY)

+5.19%

Deposit Growth (YoY)

+4.09%

Net Income

$2.5M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Peoples State BankHQ	114 N Main St	New Lexington	OH	11
Peoples State Bank	106 East Main Street	Junction City	OH	11
Peoples State Bank	354 S Main St	Pataskala	OH	11
Peoples State Bank	9038 Hazelton Etna Rd Sw	Pataskala	OH	11
Peoples State Bank	55 N Main St	Roseville	OH	11
Peoples State Bank	14806 Zion Rd	Thornville	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.