BlastPoint's Banking Scorecard

Peoples First Savings Bank

$100M-$1B Specialty: Mortgage OH FDIC cert 30688

Designations: ✓ Mutual

Mason, OH

2 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

Peoples First Savings Bank faces 7 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 3.1% in tier
- Efficiency Drag: Bottom 18.6% in tier
- Liquidity Strain: Bottom 24.0% in tier
- Nonperforming Asset Ratio 0.99% above tier average
- ROA 0.80% below tier average
- Net Interest Margin 0.39% below tier average
- Delinquency Rate 1.00% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$101.6M -1.3% YoY -3.5% QoQ	-$284.5M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 0.6% in tier
Total Loans ?	$87.6M -3.8% YoY -2.2% QoQ	-$168.1M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	Bottom 14.7% in tier
Total Deposits ?	$84.9M +1.2% YoY -1.5% QoQ	-$243.0M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 1.4% in tier
Return on Assets ?	0.47% -26.2% YoY +4.5% QoQ	-0.80%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 12.6% in tier
Net Interest Margin ?	3.54% +3.0% YoY +0.0% QoQ	-0.39%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	32%
Efficiency Ratio ?	83.54% +7.7% YoY -0.7% QoQ	+18.26%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Bottom 11.6% in tier
Delinquency Rate ?	1.89% +165.3% QoQ	+1.00%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	Bottom 13.6% in tier
Loan-to-Deposit Ratio ?	103.10% -4.9% YoY -0.7% QoQ	+26.46%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 6.2% in tier
Non-Interest-Bearing Deposit Share ?	11.47% -9.3% YoY +12.1% QoQ	-10.54%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	Bottom 13.8% in tier
Nonperforming Asset Ratio ?	1.63% +168.8% QoQ	+0.99%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	Bottom 9.8% in tier
Tier 1 Capital Ratio ?	14.30% +3.7% YoY +1.9% QoQ	-1.53%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.08% -6.6% YoY -73.5% QoQ	-0.20%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	40%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (3)

Flatlined Growth

risk

#17 of 512 • Bottom 3.1% 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: 0.47%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Efficiency Drag

risk

#78 of 414 • Bottom 18.6% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 83.54%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable | QoQ rank improving

Liquidity Strain

risk

#155 of 643 • Bottom 24.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 103.10%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (9 metrics)

2648

Total Assets

size

Value: $101.58M

Peer Median: $386.08M

#2648 of 2664 Bottom 0.6% in $100M-$1B

2629

Total Deposits

size

Value: $84.94M

Peer Median: $327.97M

#2629 of 2664 Bottom 1.4% in $100M-$1B

2501

Loan-to-Deposit Ratio

liquidity

Value: 103.10%

Peer Median: 76.64%

#2501 of 2664 Bottom 6.2% in $100M-$1B

2404

Nonperforming Asset Ratio

credit_quality

Value: 1.63%

Peer Median: 0.64%

#2404 of 2664 Bottom 9.8% in $100M-$1B

2356

Efficiency Ratio

profitability

Value: 83.54%

Peer Median: 65.29%

#2356 of 2664 Bottom 11.6% in $100M-$1B

2330

Return on Assets

profitability

Value: 0.47%

Peer Median: 1.27%

#2330 of 2664 Bottom 12.6% in $100M-$1B

2294

Delinquency Rate

credit_quality

Value: 1.89%

Peer Median: 0.89%

#2294 of 2654 Bottom 13.6% in $100M-$1B

2297

Non-Interest-Bearing Deposit Share

funding

Value: 11.47%

Peer Median: 22.02%

#2297 of 2664 Bottom 13.8% in $100M-$1B

2273

Total Loans

size

Value: $87.58M

Peer Median: $255.72M

#2273 of 2664 Bottom 14.7% in $100M-$1B