Applications / Mortgage Analytics / Lenders / Ohio / Peoples State Bank
New Lexington, OH · State non-member bank · FDIC · $280 million assets · 104 loans in 2025
Peoples State Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
104
loans originated, 2025
113
applications, 2025
1
states and territories
0
gaps bigger than at similar lenders
Our analysis, 2025
Peoples State Bank, of New Lexington, Ohio, makes half its loans in poorer neighborhoods, and its lending grew by more than a third in 2025.
Some 51.9% of its loans went to low- and moderate-income (LMI) neighborhoods in 2025, against 18.3% at similar lenders (state non-member banks making between half and twice as many loans). That is higher than nearly all of them, and it is not new: the share was 55.3% a year earlier.
Its loans rose 37% to 104, against 9% at similar lenders, faster than more than four in five of them. It merged with The Pataskala Banking Company in 2024, which may account for some of the rise. It is still below the 141 loans it made in 2020.
Its typical loan rose to $235,000 from $180,000, above the $175,000 at peers and higher than about three in four similar lenders. Purchases made up 60.6% of its loans and refinances 34.6%.
Around Columbus it ranked 128 of 596 lenders, with a 0.1% share; The Huntington National Bank led with $1.15B. In non-metro Ohio it ranked 97 of 592.
Similar lenders: same lender type, originations between half and twice the lender's in the data year. Written from the 2025 HMDA data and checked figure by figure against it.
FIG. 1 — LOANS ORIGINATED, 2018–2025
Originated means the loan was made: applications denied, withdrawn or not accepted are not counted. Peoples State Bank took 113 applications in 2025.
SOURCE: FFIEC HMDA, LOANS ORIGINATED (ACTION TAKEN: LOAN ORIGINATED)
FIG. 2 — PRODUCT MIX, 2025
Purchase 60.6% · Refinance 34.6% · Other 2.9% · Home improvement 1.9%
Conventional 100.0% · of 104 loans. Purchase: buying a home. Refinance: replacing an existing mortgage, including cash-out. FHA: insured by the Federal Housing Administration. VA: guaranteed by the Department of Veterans Affairs. Conventional: neither.
SOURCE: FFIEC HMDA 2025, LOANS ORIGINATED
Where it lends, 2025
| State | Loans | Share |
|---|---|---|
| Ohio | 104 | 100.0% |
Largest metro areas, 2025
| Metro area | Loans |
|---|---|
| Columbus | 71 |
Identifiers
| LEI (Legal Entity Identifier, the global company code HMDA has used since 2018) | 2549008L3Z5ZSC32UL43 | 2018–2025 |
| RSSD (the Federal Reserve's identifier for banks and their parents) | 431323 | 2014–2023 |
| Respondent ID (the HMDA filer code before 2018) | 113596 | 2014–2017 |
Established 15 February 1932. Reported under HMDA 2014-2025.
Mergers, name changes, data editions and corrections: Peoples State Bank's data.
Peoples State Bank's data
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Peoples State Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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