The Peoples Savings Bank

Headquarters: Urbana, Ohio
Charter: Bank
Assets: $189.3M
Fed district: Cleveland
Regulator: FDIC

9 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 5, 2026.

Overview

Total assets
Q2 2026, quarter end
FDIC call report data · Jun 30, 2026
Revenue
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FDIC call report data · Jun 30, 2026
Service-charge share of revenue
Not available
Peer figures could not be read
Not on file
Fees above the U.S. median
None compared
No fee has a median to compare
Fee schedule read Oct 5, 2026

How these figures are measured

Call-report figures are for The Peoples Savings Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.

Metric	Measure and calculation	Source and fields	Period	Retrieved
Total assets	Total assets at quarter end Point in time, at quarter end	FDIC BankFind Suite (call report data) ASSET	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Revenue	Revenue (net interest + noninterest income) One quarter, as reported	FDIC BankFind Suite (call report data) NIMQ + NONIIQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge income	Service charges on deposit accounts One quarter, as reported	FDIC BankFind Suite (call report data) ISERCHGQ	Q2 2026 Quarter ended Jun 30, 2026	Oct 24, 2026
Service-charge share of revenue	Service charges on deposit accounts divided by revenue (net interest + noninterest income) Shown when at least 10 banks of its size report a share above 0%.	Not on file	Not on file	Not recorded
Fees above the U.S. median	Published fees above the U.S. median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out.	The Peoples Savings Bank's published fee schedule; Bank Fee Index medians	Current schedule	Oct 5, 2026

Service-charge income by quarter

Q1 2024 to Q2 2026, standalone quarters

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Peoples Savings Bank (bank level, not the holding company)
Period: Q1 2024 to Q2 2026, 10 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

What stands out

Service-charge income was $53K in Q2 2026, 17% below the same quarter a year earlier ($64K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
REGULAR CHECKING ACCOUNTS $5 to $10
Compared at $8, the middle of its prices
The Peoples Savings Bank: $5 to $10
The Peoples Savings Bank: $5 to $10
U.S. median: no median
Overdraft (OD)
The Peoples Savings Bank: $35
The Peoples Savings Bank: $35
U.S. median: no median
NSF / Returned Item
The Peoples Savings Bank: $35
The Peoples Savings Bank: $35
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 5, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Ohio, the Cleveland district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Ohio: Banks and credit unions headquartered in Ohio that publish the fee.
Cleveland district: Banks and credit unions headquartered in the Cleveland Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

Fee income beside fee prices

Service-charge income fell 13% from Q3 2025 to Q2 2026, to $53K.

Service-charge income, Q2 2026

$53K

$61KQ3 2025

$66KQ4 2025

$61KQ1 2026

$53KQ2 2026

Against the median

The Peoples Savings BankMedian

Sources and open questions

FDIC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.

Do business accounts and account analysis fees make up more of service charges than at peers?

Among its peers

The Peoples Savings Bank · $189M in assets

The 25 banks closest in assets

Banks of similar size, for comparing published prices. Not local competitors: they're spread over 16 states.

Banks only
$185M to $193M in assets
Headquartered in 16 states

See the 25 institutions

The institutions in this peer set, with the fees each publishes
Institution	City, state	Assets	Maintenance	ATM	Domestic wire	Intl. wire	Overdraft
The Peoples Savings Bank(this institution)	Urbana, OH	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
BankPacific, Ltd	Hagatna, GU	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Bristol Morgan Bank	Oakfield, WI	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Citizens Federal Savings Bank	Leavenworth, KS	$190M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Citizens Savings Bank and Trust Company	Nashville, TN	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Publishes Overdraft
Community Bank	Topeka, KS	$189M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers State Bank	West Salem, OH	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Farmers Trust & Savings Bank	Williamsburg, IA	$192M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
First Federal Savings and Loan Association of Bath	Bath, ME	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings Bank of Champaign Urbana	Champaign, IL	$193M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
First Federal Savings of Middletown	Middletown, NY	$188M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
First State Bank	Socorro, NM	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Independence Bank	Independence, OH	$191M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Peoples Bank	Paris, TX	$185M	Monthly maintenance not published	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Peoples Savings Bank	Wellsburg, IA	$189M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Prairie Community Bank	Marengo, IL	$188M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
State Bank of Bement	Bement, IL	$186M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
The Cincinnatus Savings & Loan Co.	Cincinnati, OH	$193M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The First National Bank of Raymond	Raymond, IL	$187M	Monthly maintenance not published	Publishes Out-of-network ATM	Publishes Domestic wire	International wire not published	Publishes Overdraft
The First State Bank of Malta	Malta, MT	$190M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Publishes Domestic wire	Publishes International wire	Overdraft not published
The Home National Bank of Thorntown	Thorntown, IN	$186M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	International wire not published	Publishes Overdraft
United Republic Bank	Elkhorn, NE	$186M	Publishes Monthly maintenance	Publishes Out-of-network ATM	Domestic wire not published	International wire not published	Overdraft not published
Valley Central Bank	Liberty Township, OH	$187M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Publishes Overdraft
Walden Mutual Bank	Concord, NH	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published
Western Nebraska Bank	Curtis, NE	$193M	Publishes Monthly maintenance	Out-of-network ATM not published	Domestic wire not published	International wire not published	Overdraft not published
Wrentham Co-operative Bank	Wrentham, MA	$193M	Monthly maintenance not published	Out-of-network ATM not published	Publishes Domestic wire	Publishes International wire	Overdraft not published

✓ publishes the fee. – not published.

25 peers selected · 17 publish this fee(monthly maintenance)

8 don't publish it: shown as not published, never as zero.

Fee type

Peer pricing snapshot

Monthly maintenance is $0.52 (7%) above the median of similar-sized banks.

Compared at $8, the middle of its three prices, against a peer median of $7.48 among 17 publishing peers.

Its three checking prices are $5, $8 and $10.

This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.

Monthly maintenance fee in dollars, one mark per institution

The Peoples Savings Bank: an account price on its scheduleIts comparison price, the middle of its pricesPeer (equal prices stack)Peer median

Against this institution's monthly maintenance fee

Hamilton is the Fee Insight workspace for pricing teams.

Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.

How peers are chosen and counted

Every set except Home metro keeps the institution's own charter: banks against banks, credit unions against credit unions.
The set shown first is the first in the list with a peer median for each overdraft and monthly maintenance fee this institution publishes. If none has them all, it is the set with the most.
Closest in assets takes the institutions nearest its total assets among those that publish fees.
Home metro is the metro where it has the most branches. It counts the banks with a branch there (FDIC Summary of Deposits) and the credit unions with a branch in one of the metro's cities (NCUA). Banks only leaves the credit unions out.
State and Fed district count institutions headquartered there. Size uses its asset-size band.
Regulator uses the bank's primary federal regulator; for a credit union, its federal or state charter.
A set lists the institutions that publish at least one fee. This institution is not counted in its own set.
Each institution counts once per fee: the middle of its prices, or for overdraft its highest.
A peer median needs at least 8 peers that publish the fee. With fewer, the fee reads "too few to compare".
A fee an institution does not publish is shown as not published, never as zero.
About the same: within 1% of the median, in this section and everywhere on this page. Above or below means further than that.
A set with more than 50 peers shows the 50 closest in assets. Its medians and counts still use every peer in the set.

Financial performance

Call reports for The Peoples Savings Bank (bank level, not the holding company). Income lines are standalone quarters.

Measure

Service-charge income

Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file

Latest, Q2 2026: $53K
vs prior quarter: −$8K−13.1%; from Q1 2026
vs a year earlier: −$11K−17.2%; from Q2 2025
vs start of range: −$25K−32.1%; from Q3 2024

Details

Source: FDIC BankFind Suite (call report data)
Entity: The Peoples Savings Bank (bank level, not the holding company)
Period: Q3 2024 to Q2 2026, 8 quarters
Measure: Service charges on deposit accounts
Calculation: One quarter, as reported
Fields: ISERCHGQ
Retrieved: Oct 24, 2026

Table

Quarter	Amount	Change	%
Q2 2026	$53K	−$8K	−13.1%
Q1 2026	$61K	−$5K	−7.6%
Q4 2025	$66K	+$5K	+8.2%
Q3 2025	$61K	−$3K	−4.7%
Q2 2025	$64K	+$6K	+10.3%
Q1 2025	$58K	−$5K	−7.9%
Q4 2024	$63K	−$15K	−19.2%
Q3 2024	$78K	+$8K	+11.4%

Service-charge share against its size cohort

Insufficient sample: fewer than 10 peers of its size reported a share.

Published fee schedule

Amounts from The Peoples Savings Bank’s own schedules, with a source for each figure.

Account Maintenance

Monthly fee (audience not stated, treated as personal)$10
per month
Monthly fee (audience not stated, treated as personal)$5
per month
Monthly fee (audience not stated, treated as personal)$8
per month
Service fee (balance falls below $500) (audience not stated, treated as personal)$3
per month
Early Account Closeout Fee (w/in 180 days of opening)$20
Account Reconciliation$25
Not compared: Charged per hour; comparison unavailable
per hour

Overdraft & NSF

OD/NSF Overdraft Fee$35
Return Check Fee$35
Overdraft to Sweep from Savings$10

ATM & Card

Replacement Card Fee$5

Check Services

Certified Checks$10
ACH Stop Payment Fee Per Item$30
per item
Check Stop Payment Fee Per Item$30
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly fee (audience not stated, treated as personal)	$10	per month	None
Monthly fee (audience not stated, treated as personal)	$5	per month	None
Monthly fee (audience not stated, treated as personal)	$8	per month	None
Service fee (balance falls below $500) (audience not stated, treated as personal)	$3	per month	None
Early Account Closeout Fee (w/in 180 days of opening)	$20	Not stated	None
Account Reconciliation	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Overdraft & NSF
OD/NSF Overdraft Fee	$35	Not stated	None
Return Check Fee	$35	Not stated	None
Overdraft to Sweep from Savings	$10	Not stated	None
ATM & Card
Replacement Card Fee	$5	Not stated	None
Check Services
Certified Checks	$10	Not stated	None
ACH Stop Payment Fee Per Item	$30	per item	None
Check Stop Payment Fee Per Item	$30	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 5, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Fee change alerts

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