BlastPoint's Banking Scorecard

Peoples Savings and Loan Company

$100M-$1B Specialty: Other OH FDIC cert 29813

Designations: ✓ Mutual

Bucyrus, OH

2 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
Deposits +0.2% year over year ($126.2M on the books).
Delinquency rate 2.22%.
Return on assets 0.39%.
Efficiency ratio 86.16% vs a 64.48% peer average.
Loan-to-deposit ratio 57.36% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

Peoples Savings and Loan Company faces 6 concerns requiring attention

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 9.3% in tier
- Return on Assets 0.93% below tier average
- Net Interest Margin 1.17% below tier average
- Efficiency Ratio 21.68% above tier average
- Non-Interest-Bearing Deposit Share 14.25% below tier average
- Delinquency Rate 1.31% above tier average

Get updates when Peoples Savings and Loan Company releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$157.4M +0.7% YoY -2.0% QoQ	-$229.2M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	16%
Total Loans ?	$72.4M +7.2% YoY +1.2% QoQ	-$186.0M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	Bottom 7.7% in tier
Total Deposits ?	$126.2M +0.2% YoY -2.6% QoQ	-$200.5M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Bottom 14.0% in tier
Return on Assets ?	0.39% +456.4% YoY +6.8% QoQ	-0.93%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	Bottom 9.7% in tier
Net Interest Margin ?	2.82% +11.5% YoY +0.5% QoQ	-1.17%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	Bottom 6.3% in tier
Efficiency Ratio ?	86.16% -10.6% YoY -0.8% QoQ	+21.68%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Bottom 8.2% in tier
Delinquency Rate ?	2.22% +56.5% YoY +98.2% QoQ	+1.31%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	Bottom 10.9% in tier
Loan-to-Deposit Ratio ?	57.36% +6.9% YoY +3.9% QoQ	-20.60%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	Top 14.6% in tier
Non-Interest-Bearing Deposit Share ?	7.78% -17.7% YoY -4.6% QoQ	-14.25%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	Bottom 6.6% in tier
Nonperforming Asset Ratio ?	1.02% +66.5% YoY +104.7% QoQ	+0.35%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	20%
Tier 1 Capital Ratio ?	20.34% +1.2% YoY +1.1% QoQ	+4.43%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Top 13.0% in tier
Non-Interest Income / Assets ?	0.12% +2.0% YoY +116.8% QoQ	-0.45%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	25%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	7.8% -1.7pp YoY -0.4pp QoQ	-14.4pp	22.1%	18.8%	22.2%	6%
Brokered Deposits	n/a	n/a	7.9%	7.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	7.5% -0.7pp YoY +0.3pp QoQ	-4.1pp	11.6%	10.2%	12.5%	36%
CRE	n/a	n/a	39.5%	34.2%	41.4%	n/a
1-4 Family	83.5% +0.5pp YoY 0.0pp QoQ	+50.9pp	32.6%	50.0%	31.3%	97%
Consumer	3.9% -1.4pp YoY 0.0pp QoQ	-0.2pp	4.1%	4.7%	5.0%	69%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	22.1%	19.7%	n/a
Leverage Ratio	20.3% +0.2pp YoY +0.2pp QoQ	+8.2pp	12.2%	12.9%	12.6%	96%
Total Capital Ratio	n/a	n/a	19.9%	23.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	25 0 YoY 0 QoQ	-34	58	2,433	482	19%
Assets per Employee ($)	$6.3M +0.7% YoY -2.0% QoQ	-$1.2M	$7.5M	$7.6M	$8.8M	39%
Branch Count	2 0 YoY 0 QoQ	-3	4	81	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	1.9% +1.0pp YoY +1.1pp QoQ	+1.6pp	0.3%	0.2%	0.4%	97%
Nonaccrual	0.3% -0.1pp YoY 0.0pp QoQ	-0.7pp	0.9%	0.6%	1.0%	37%
Allowance Coverage	0.15x -39.9% YoY -50.1% QoQ	-24.00x	24.15x	18.95x	20.23x	0%
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.1%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	2.0% +1.7pp YoY +0.1pp QoQ	-10.2pp	12.2%	9.7%	11.6%	6%
Cost of Funds (YTD)	1.4% -0.1pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	32%
Net Income ($, YTD)	$311,000 +465.5% YoY — QoQ	-$2.2M	$2.6M	$259.3M	$40.4M	7%

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

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Flatlined Growth

risk

#50 of 529 • Bottom 9.3% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.39%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (2 metrics)

345

Tier 1 Capital Ratio

capital

Value: 20.34%

Peer Median: 15.91%

#345 of 2643 Top 13.0% in $100M-$1B

388

Loan-to-Deposit Ratio

liquidity

Value: 57.36%

Peer Median: 77.95%

#388 of 2643 Top 14.6% in $100M-$1B

Top Weaknesses (9 metrics)

2478

Net Interest Margin

profitability

Value: 2.82%

Peer Median: 3.99%

#2478 of 2643 Bottom 6.3% in $100M-$1B

2469

Non-Interest-Bearing Deposit Share

funding

Value: 7.78%

Peer Median: 22.03%

#2469 of 2643 Bottom 6.6% in $100M-$1B

2441

Total Loans

size

Value: $72.39M

Peer Median: $258.35M

#2441 of 2643 Bottom 7.7% in $100M-$1B

2427

Efficiency Ratio

profitability

Value: 86.16%

Peer Median: 64.48%

#2427 of 2643 Bottom 8.2% in $100M-$1B

2388

Return on Assets

profitability

Value: 0.39%

Peer Median: 1.32%

#2388 of 2643 Bottom 9.7% in $100M-$1B

2348

Delinquency Rate

credit_quality

Value: 2.22%

Peer Median: 0.92%

#2348 of 2633 Bottom 10.9% in $100M-$1B

2273

Total Deposits

size

Value: $126.21M

Peer Median: $326.73M

#2273 of 2643 Bottom 14.0% in $100M-$1B

2216

Total Assets

size

Value: $157.36M

Peer Median: $386.57M

#2216 of 2643 Bottom 16.2% in $100M-$1B

2121

Nonperforming Asset Ratio

credit_quality

Value: 1.02%

Peer Median: 0.67%

#2121 of 2643 Bottom 19.8% in $100M-$1B