Bank · FDIC insured
THE PEOPLES SAVINGS BANK
A $189.3M bank headquartered in Urbana, OH, with 2 branches in Ohio. Best rates: CDs 4.08% and savings 0.75% APY.
THE PEOPLES SAVINGS BANK Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#4 of 6 in Urbana, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About THE PEOPLES SAVINGS BANK
Founded and chartered by the State of Ohio in 1892 as The Peoples Savings & Loan Company, the bank is headquartered in Urbana, Ohio.
The institution operates as a locally owned, locally managed mutual savings bank with no stockholders, prioritizing customers over shareholders.
In 1993, it transitioned to a state-chartered savings bank named The Peoples Savings Bank, serving customers across Urbana and Champaign County from two locations.
- Headquarters
- 10 Monument Sq, Urbana, OH 43078
- FDIC certificate
- 29975 ↗
Branches
2 branches in Ohio
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Ohio
2 branches
- The Peoples Savings BankMain office10 Monument Sq, Urbana, OH 43078Directions
- 618 Scioto Street Branch618 Scioto St, Urbana, OH 43078Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 8.96% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.87% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.72% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $91 | $81 | — |
- CapitalLeverage ratio8.96%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.87%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.72%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$91Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of THE PEOPLES SAVINGS BANK are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.