# PEOPLES SAVINGS BANK
URBANA, OH · FDIC certificate 29975 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $189.3M | |
| Deposits | $172.5M | |
| Loans and leases | $157.5M | |
| Total equity | $15.7M | |
| Loans / deposits | 90.54% (p81 of band) | 73.59% |
| Liquid assets / assets | 15.50% (p12 of band) | |
| Uninsured deposits / deposits | 21.42% (p55 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 8.96% (p10 of band) | 11.76% |
| Unrealized securities loss / equity | -9.44% (p41 of band) | -6.57% |
| AOCI / equity | -0.32% (p53 of band) | |
| ROA (annualized) | 0.72% (p26 of band) | 1.17% |
| Net interest margin | 3.63% (p34 of band) | 3.93% |
| Efficiency ratio | 73.20% (p67 of band) | |
| Noncurrent loans | 0.87% (p67 of band) | 0.36% |
| Net charge-offs (annualized) | 0.08% (p85 of band) | |
| Reserve coverage of noncurrent | 94.05% | |
| Real estate % of loans | 97% | |
| Construction % of loans | 46.05% (p77 of band) | |
| Auto loans | $390,000 (0.25% of loans; DQ 3.33%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 13.2% | |
| Employees | 27 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, liquid assets <10%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 | capital falling | liquid assets <10% |
| 2011-12 | 2 |  | charge-offs p90, capital falling |
| 2012-03 | 2 |  |  |
| 2012-06 | 3 | capital falling |  |
| 2012-09 | 2 |  | capital falling |
| 2012-12 | 2 |  |  |
| 2013-03 | 3 | capital falling |  |
| 2013-06 | 4 | losing money, charge-offs p90 | capital falling |
| 2013-09 | 4 |  |  |
| 2013-12 | 4 | liquid assets <10% | charge-offs p90 |
| 2014-03 | 4 | charge-offs p90 | losing money |
| 2014-06 | 7 | capital falling, losing money, noncurrent p90 |  |
| 2014-09 | 6 |  | noncurrent p90 |
| 2014-12 | 5 |  | capital falling |
| 2015-03 | 5 | noncurrent p90, uninsured deposits leaving | charge-offs p90, losing money |
| 2015-06 | 4 |  | uninsured deposits leaving |
| 2015-09 | 4 |  |  |
| 2015-12 | 4 |  |  |
| 2016-03 | 5 | charge-offs p90 |  |
| 2016-06 | 3 |  | noncurrent p90, charge-offs p90 |
| 2016-09 | 4 | capital falling |  |
| 2016-12 | 3 |  | capital falling |
| 2017-03 | 2 |  | liquid assets <10% |
| 2017-06 | 3 | liquid assets <10% |  |
| 2017-09 | 2 |  | liquid assets <10% |
| 2017-12 | 3 | liquid assets <10% |  |
| 2018-03 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2018-06 | 3 |  | deposits shrinking, uninsured deposits leaving |
| 2018-09 | 4 | uninsured deposits leaving |  |
| 2018-12 | 3 |  | uninsured deposits leaving |
| 2019-03 | 4 | capital falling |  |
| 2019-06 | 3 |  | capital falling |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | liquid assets <10% |
| 2020-03 | 3 | uninsured deposits leaving |  |
| 2020-06 | 1 |  | loans exceed deposits, uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 2 | charge-offs p90 |  |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 |  | charge-offs p90 |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 | capital falling | charge-offs p90 |
| 2022-09 | 2 | charge-offs p90 | capital falling |
| 2022-12 | 1 |  | charge-offs p90 |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 2 |  |  |
| 2023-12 | 1 |  | reserve under noncurrent |
| 2024-03 | 2 | capital falling, reserve under noncurrent | uninsured deposits leaving |
| 2024-06 | 4 | losing money, expense ratio p90 |  |
| 2024-09 | 0 |  | capital falling, reserve under noncurrent, losing money, expense ratio p90 |
| 2024-12 | 1 | loans exceed deposits |  |
| 2025-03 | 2 | capital falling, charge-offs p90 | loans exceed deposits |
| 2025-06 | 1 |  | charge-offs p90 |
| 2025-09 | 1 |  |  |
| 2025-12 | 2 | reserve under noncurrent |  |
| 2026-03 | 2 | charge-offs p90 | capital falling |
| 2026-06 | 1 |  | charge-offs p90 |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-01-09 [Peoples Savings Bank Announces Name Change to PSB Bank - Boone Country Connection](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQcEwxYlY4MFNlTGNsN1VvMlRjb1ZsbzljZlowSjlIUXBkR1RNRmZSeWxabkRvZElPNVBkUUYwSXdLRlhCbDZNaUVqU1VYbmlNc3NvSUlkcUFyZGhnZ2haalJaY0tEUkJLQ0JuYWFBSTFtV2V4SzRUSlhWSEtMQW9Wcm1QdnQ4bVk5MlZmRmtDNVdxMFNNRFNkM3FMdEhSU3FzR0ZxYWFkLVNWZ2tMMHZ6dHNObVNHalpWelpDWno1TEQ?oc=5) · Boone Country Connection
- 2026-01-21 [PSB Bank set to acquire Bank Star, assets to top $1B - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOMllNLWxjVmlMaEF5TEk5ZklhUXlUR2tjNFJnUG85cFB3MzFtd19pTTNiQmNNeWZIc09rM0hNTHZTOTlMRjl5M0pFRTdiRWxXQXlmUXZObG5YeWVHMmk4c0ltaHlUYkpySWlNLVpaaDdyYnZHQk9uOVlmek11eG1td3lGNG1KYlc0N1lMbEx5U1BZbTNTMzB2SmhnZnVraW1oM014NjBOS0s?oc=5) · The Business Journals
- 2025-11-06 [Peoples Savings Bank announces leadership promotions - The Mexico Ledger](https://news.google.com/rss/articles/CBMilwFBVV95cUxNdjVjcjNkM2QycmpUcVBFakVyaWQ2YXQwOWp1WVdmdDJCVlE3XzVSc1JUMXRLSTlzc3hUYmY4bDhfTGJINUE2ZlRRZzB5ZVZuV0Y2YU5xVkF2blVUSEVDekduQ3ZEZkdPT1hjelUybVpoeFdaMXhNRU5tLWoxWG9ybTZubF95VmY3dWRmQUloQW15OC1kUktj?oc=5) · The Mexico Ledger
- 2026-01-23 [Peoples Savings Bank commits $30K to Reinbeck Public Library’s remodel project - Sun Courier](https://news.google.com/rss/articles/CBMizAFBVV95cUxPNEdMMl9jT3lyME1peDNXS1pKX0dOV0g1WkROVF9YTnRuVXc0ZG84UGxTSzlHMTN2UW9femczOThuZkVwc1p6TmhlOVRyeE8xVU53MlF2akJuN3R5Yk41TXlfcVkxSTFCOW9LdEZhSEVVZXBBMC1meXdQdHVaOVNVcHRQX1VKVTl4YURZWUY5YUpOdTRSWnFrRGtEMzExa29zS0dXaC03b0g1N01JNjRKWHI5Xy1kLWJlVU1OX1RaNThIT291bFpLSFdxVnU?oc=5) · Sun Courier
- 2026-06-23 [Suit seeks $33 million loan repayment from former 515 Walnut developer - The Des Moines Register](https://news.google.com/rss/articles/CBMiygFBVV95cUxQcWZsdURRTzNBaHdlb0hqUENPZWhoUzU0LXhkeXpFV05RbnBSWXJkc3AwdGQ5akNqT3MxcTV4X2JnMUZCeFRDTU1NaGJMTEVQalY1NE1xdWdfa0NERThRV2R5aWZiMnhIV1Z4UGloNXpUMmx5Z09TS2tuelpHVmpKS3NXYWZkM3pUZzRReGdyM3VTUDNXdkwybjdvUExxMTYwYU5vMUVLbVh6YVVqcG5IYkdaRVp6TlJ2VWZ4akNRYmhZQUVDdXIwNExn?oc=5) · The Des Moines Register
- 2026-01-20 [Peoples Savings Bank Promotes Craig Daily to St. Charles Region President - Boone Country Connection](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPZ3I3VGluTkROS2pjb1Y4QThaY1BpdVNOSUk4ekRiSUh5bjQ3SkZqTTN4VE5wN01ibzU1dDhrdDNadGJTSTBXUmdNTkdRUkZpbU9OcDh2X0pJV1hCeWc2VG1mdDlGUFpyR2hrcjhoUXVBc0oxa1VfY3l6dHpBUDFSU2FON0REcVdRTFJjVzl5OUtkNnVzLXh3aE9QdDdmbzZZMlBDdmRKbjNPc3lQdm5xUk1ySzdabTQtd3J0cjE3N1RzWE9iZ25sYlMtd0tuQ1R2NmM3cGxDWVo?oc=5) · Boone Country Connection
- 2026-02-21 [PSB Bank taps 25-year banking veteran to lead St. Charles region - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxPaG1OYVFCY0gzZ1N1ei1HaFBPX0xRY1cwMWtib1E1WHVXLTBsczNvSERIem0ySjc4NkhhcGdXT1dhOU40VkhzM0dScGtMdjdlU3FEaDJfR3FYZkp6UlZyZnNDLXNSZmF4dFRKMERtWkNHLVZfYW9Xa0NxZzFjWWxQWHh4Y2ZtLXhFQk4zSmcta21FUTBJVE1wUDZvTFhhUmMtWEttZmh1R3gzaG8?oc=5) · The Business Journals
- 2024-07-19 [Peoples Savings Bank Opens Branch In Mexico - KXEO](https://news.google.com/rss/articles/CBMifEFVX3lxTE9qcE1KWnQ4cFBKdWJTSmdsRUFzeURQUG50d3J3TWdKUkZ0OHJEX3I5WFlQSGRxVFllVXc1V2VDdzFWNmtiOWNmYmpyRnhoUEphN25KREtBVlE3dGZlcklYRGpwLU5BZm9UY0pTMjB4UGVNTU9lNlI5N3AtQjLSAYIBQVVfeXFMTjdPSl9UdWt1cWllbm9ReFgybkhSNjZfSG15QVJYaFd5OWI0WmNTUFBOX01kQzMzQ0hNVmZaci1hRkxNMkJGekZTcXBCVDZ1YWk5SjJKQk9yOTgzVnl2VzVXWkJNd25pam1ySm0tSUNQY0VrcmU3d20wS1FhRXFQYmhNQQ?oc=5) · KXEO

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=29975 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/23.json (key "29975", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide