Peoples State Bank (FDIC #6659): Bank Stress & Real-Estate Credit Exposure
Peoples State Bank (FDIC Cert #6659): bank stress 76/100, severe, STABLE over 7 days; parent PEOPLES NATL BANCSHARES INC.
Peoples State Bank (#6659) lends in 3 counties across 1 state; Peoples State Bank (#6659) reaches 60 ZIP codes: Ohio 3 counties, 60 ZIPs.
Peoples State Bank (#6659) largest markets: Licking County, OH (60 branches, 30 ZIPs) (#6659), Muskingum County, OH (23 branches, 23 ZIPs) (#6659), Perry County, OH (51 branches, 17 ZIPs) (#6659).
Peoples State Bank (#6659) reports $286.5 million in total assets; Peoples State Bank (#6659) equity $24.1 million (8.4% of Peoples State Bank (#6659) assets); Peoples State Bank (#6659) domestic deposits $256.8 million; Peoples State Bank (#6659) net income $1.4 million; Peoples State Bank (#6659) return on assets 0.99%; Peoples State Bank (#6659) return on equity 12.18%; Peoples State Bank (#6659) net interest income $5.8 million; Peoples State Bank (#6659) call report June 30, 2026.
Peoples State Bank (#6659) noncurrent real-estate loans: none reported; Peoples State Bank (#6659) net charge-offs on real estate 0.62%; Peoples State Bank (#6659) residential charge-offs 1.54%.
Peoples State Bank (#6659) net interest margin 4.29% against an eight-quarter Peoples State Bank (#6659) average of 3.71% (Peoples State Bank (#6659) compression -0.58 points); Peoples State Bank (#6659) non-residential real estate 154.0% of equity; Peoples State Bank (#6659) rate-exposure score 40/100, Peoples State Bank (#6659) fixed-rate trap 40/100; Peoples State Bank (#6659) risk type credit driven; Peoples State Bank (#6659) rate regime rates elevated, Peoples State Bank (#6659) snapshot October 20, 2026.
Peoples State Bank (#6659) stress score moved from 78.3 on June 22, 2026 to 76.4 on October 20, 2026; Peoples State Bank (#6659) ranged 76.4 to 78.3 over 117 snapshots.
Peoples State Bank (#6659) alerts: 3 counties; top Peoples State Bank (#6659) alert scores: Pataskala County, OH 26 (low); Roseville County, OH 26 (low); Thornville County, OH 26 (low).