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Data through Q3 2026 · 4,200 institutions
Regulatory profile
New Lexington, OH · FDIC certificate #6659
PEOPLES STATE BANK is an FDIC-insured institution based in New Lexington, OH (FDIC certificate #6659). In its Q3 2026 Call Report it reported total assets of $304M, total deposits of $277M and net loans of $240M. Its primary federal regulator is FDIC.
Plain-language readout
PEOPLES STATE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $304M in Q1 2026 and were lowest at $286M in Q2 2026.
Total deposits were highest at $279M in Q1 2026 and lowest at $257M in Q2 2026.
Over the whole period total assets fell 0.2%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $304M | $277M | $240M | 0.97% | 12.01% | 4.32% |
| Q2 2026 | $286M | $257M | $225M | 0.99% | 12.18% | 4.29% |
| Q1 2026 | $304M | $279M | $217M | 0.94% | 11.73% | 4.13% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $5.4M | $26.3M | -$20.8M | -79.3% |
| Federal funds sold | $0K | $3.8M | -$3.8M | -100.0% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $39.4M | $41.7M | -$2.3M | -5.6% |
| Equity securities with readily determinable fair values, not held for trading | $0K | $0K | $0K | n/a |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $225.5M | $216.5M | +$8.9M | +4.1% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $7.0M | $7.0M | -$47K | -0.7% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $2.3M | $2.4M | -$32K | -1.4% |
| All other assets | $6.9M | $6.7M | +$159K | +2.4% |
| Total assets | $286.5M | $304.4M | -$18.0M | -5.9% |
| Liabilities | ||||
| Total deposits | $256.8M | $279.3M | -$22.6M | -8.1% |
| Federal funds purchased | $3.6M | $0K | +$3.6M | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $0K | $0K | $0K | n/a |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $2.0M | $1.5M | +$460K | +30.2% |
| Total liabilities | $262.4M | $280.9M | -$18.5M | -6.6% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $150K | $150K | $0K | 0.0% |
| Surplus | $7.1M | $7.1M | -$46K | -0.6% |
| Retained earnings | $18.8M | $18.1M | +$664K | +3.7% |
| Accumulated other comprehensive income | -$1.9M | -$1.8M | -$125K | -7.0% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $24.1M | $23.6M | +$493K | +2.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.4M | $290K | +$1.1M | +369.0% |
| Adjusted nonperforming assets | $1.4M | $290K | +$1.1M | +369.0% |
| Tangible equity plus allowance | $23.2M | $22.7M | +$558K | +2.5% |
| Texas ratio (gross) | 5.86% | 1.28% | +4.58 pts | See points |
| Texas ratio (adjusted) | 5.86% | 1.28% | +4.58 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 5.86% | 1.28% | +4.58 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.97% | 13.08% | -0.11 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.97% | 13.08% | -0.11 pts | See points |
| Tier 2 capital to risk-weighted assets | 0.81% | 0.81% | -0.01 pts | See points |
| Total risk-based capital to risk-weighted assets | 13.77% | 13.89% | -0.12 pts | See points |
| Tier 1 leverage (approximate) | 8.32% | 8.02% | +0.30 pts | See points |
| Construction and land loans to total capital | 38.50% | 43.50% | -5.00 pts | See points |
| Commercial real estate to total capital | 101.40% | 100.13% | +1.27 pts | See points |
| Dividend payout, year to date | 18.61% | 19.47% | -0.87 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -10.19% | -9.79% | -0.40 pts | See points |
| Liquidity | ||||
| Core deposits | $222.9M | $246.4M | -$23.4M | -9.5% |
| Non-core funding | $37.5M | $33.0M | +$4.5M | +13.6% |
| Loans to core deposits | 101.81% | 88.49% | +13.32 pts | See points |
| Loans to deposits | 88.38% | 78.03% | +10.35 pts | See points |
| Brokered deposits share of deposits | 3.89% | 3.58% | +0.31 pts | See points |
| Pledged securities share of securities | 66.74% | 67.27% | -0.53 pts | See points |
| Loans pledged, share of loans | 49.74% | 49.53% | +0.21 pts | See points |
| Volatile liabilities | $37.5M | $33.0M | +$4.5M | +13.6% |
| Earnings | ||||
| Earnings before provision, year to date | $1.9M | $918K | +$996K | +108.5% |
| Earnings before provision, single quarter | $996K | $918K | +$78K | +8.5% |
| Provision for credit losses, year to date | $118K | $68K | +$50K | +73.5% |
| Yield and cost | ||||
| Yield on loans and leases | 6.43% | 6.33% | +0.10 pts | See points |
| Yield on interest-bearing balances due from banks | 5.00% | 4.21% | +0.79 pts | See points |
| Total interest income to average assets | 5.40% | 5.06% | +0.34 pts | See points |
| Cost of interest-bearing transaction accounts | 1.40% | 1.27% | +0.13 pts | See points |
| Cost of savings and money market deposits | 0.64% | 0.57% | +0.07 pts | See points |
| Cost of time deposits | 3.47% | 3.50% | -0.03 pts | See points |
| Total interest expense to average assets | 1.28% | 1.21% | +0.07 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $304M | $277M | $240M | 0.97% | 12.01% | 4.32% |
| 2026-06-30 | $286M | $257M | $225M | 0.99% | 12.18% | 4.29% |
| 2026-03-31 | $304M | $279M | $217M | 0.94% | 11.73% | 4.13% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $253.2M | 0.04% | 88 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.