Peoples State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (3.4) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10).
Other Rating Factors:
A current level of 4.1 percent of nonperforming loans to core capital combined with 2.0 percent from a year earlier contributes to the Good asset quality (6.1). Good current capitalization (5.6 on a scale of 0 to 10) based on a risk-based capital ratio of 13.9 and a capital leverage ratio of 7.6.
Asset Mix:
Home mtgs (41%), securities (20%), comm re (10%), consumer loans (6%), home eq lns (5%), cash (3%), comm loans (3%), other (13%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Peoples National Bancshares, Inc.
Investment Rating
--
Address
114 North Main Street
New Lexington, OH 43764
New Lexington, OH 43764
Phone Number
(740) 342-5111
Year Founded
1932
FDIC Number
Website
Largest Affiliates
No affiliate information available.