BlastPoint's Banking Scorecard
Peoples Savings and Loan Company
Designations: ✓ Mutual
Bucyrus, OH
2 branches across OH
Peoples Savings and Loan Company faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier average
- - Net Interest Margin 1.13% below tier average
- - Efficiency Ratio 21.61% above tier average
- - Non-Interest-Bearing Deposit Share 13.86% below tier average
- - Delinquency Rate 0.23% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$160.6M
+3.5% YoY
+2.7% QoQ
|
-$225.4M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
17% |
| Total Loans ? |
$71.6M
+10.9% YoY
+0.7% QoQ
|
-$184.2M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 8.0% in tier |
| Total Deposits ? |
$129.6M
+3.8% YoY
+3.0% QoQ
|
-$198.3M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
15% |
| Return on Assets ? |
0.37%
+96.9% QoQ
|
-0.90% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.8% in tier |
| Net Interest Margin ? |
2.80%
+15.0% YoY
+7.9% QoQ
|
-1.13% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Bottom 6.8% in tier |
| Efficiency Ratio ? |
86.89%
-13.7% YoY
-5.9% QoQ
|
+21.61% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 8.8% in tier |
| Delinquency Rate ? |
1.12%
-1.3% YoY
-47.1% QoQ
|
+0.23% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
55.20%
+6.8% YoY
-2.3% QoQ
|
-21.44% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Top 13.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
8.16%
-15.3% YoY
+0.1% QoQ
|
-13.86% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 7.4% in tier |
| Nonperforming Asset Ratio ? |
0.50%
+5.7% YoY
-48.2% QoQ
|
-0.14% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
37% |
| Tier 1 Capital Ratio ? |
20.11%
-1.5% YoY
-0.3% QoQ
|
+4.28% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
Top 13.1% in tier |
| Non-Interest Income / Assets ? |
0.06%
-5.5% YoY
-76.5% QoQ
|
-0.22% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
23% |
Get Full Access to Peoples Savings and Loan Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.