BlastPoint's Banking Scorecard
Peoples First Savings Bank
Designations: ✓ Community bank ✓ Mutual
Mason, 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +0.4% year over year ($85.5M on the books).
- Delinquency rate 2.36%.
- Return on assets 0.43%.
- Efficiency ratio 85.10% vs a 119.40% peer average.
- Loan-to-deposit ratio 102.83% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples First Savings Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 34.29% below tier average
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 28.62% above tier average
- - ROA 0.57% below tier average
- - Net Interest Margin 0.32% below tier average
- - Delinquency Rate 0.88% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$99.9M
-3.9% YoY
-1.6% QoQ
|
+$37.5M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 0.2% in tier |
| Total Loans ? |
$87.9M
-3.7% YoY
+0.4% QoQ
|
+$53.1M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 0.1% in tier |
| Total Deposits ? |
$85.5M
+0.4% YoY
+0.7% QoQ
|
+$33.9M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 2.8% in tier |
| Return on Assets ? |
0.43%
-26.2% YoY
-9.6% QoQ
|
-0.57% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
25% |
| Net Interest Margin ? |
3.59%
+3.6% YoY
+1.4% QoQ
|
-0.32% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
33% |
| Efficiency Ratio ? |
85.10%
+6.9% YoY
+1.9% QoQ
|
-34.29% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
22% |
| Delinquency Rate ? |
2.36%
+253.0% YoY
+24.6% QoQ
|
+0.88% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
102.83%
-4.1% YoY
-0.3% QoQ
|
+28.62% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 7.3% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.62%
-3.0% YoY
+1.3% QoQ
|
-11.87% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
17% |
| Nonperforming Asset Ratio ? |
2.07%
+253.5% YoY
+27.2% QoQ
|
+1.24% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 10.4% in tier |
| Tier 1 Capital Ratio ? |
14.46%
+4.4% YoY
+1.2% QoQ
|
-12.66% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.15%
-7.5% YoY
+87.4% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
11.6%
-0.4pp YoY +0.1pp QoQ |
-13.0pp | 24.6% | 18.8% | 22.2% | 13% |
| Brokered Deposits |
6.5%
-0.9pp YoY -0.9pp QoQ |
-3.3pp | 9.8% | 7.7% | 8.5% | 50% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 10.2% | 12.5% | n/a |
| CRE |
25.6%
-1.7pp YoY -0.8pp QoQ |
+0.4pp | 25.2% | 34.2% | 41.4% | 65% |
| 1-4 Family |
68.3%
+0.6pp YoY +0.9pp QoQ |
+33.3pp | 35.0% | 50.0% | 31.3% | 85% |
| Consumer |
0.0%
0.0pp YoY 0.0pp QoQ |
-7.6pp | 7.7% | 4.7% | 5.0% | 0% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
14.5%
+0.6pp YoY +0.2pp QoQ |
-24.2pp | 38.7% | 22.1% | 19.7% | 18% |
| Leverage Ratio |
10.0%
+0.5pp YoY +0.1pp QoQ |
-7.7pp | 17.7% | 12.9% | 12.6% | 18% |
| Total Capital Ratio |
15.4%
+0.6pp YoY +0.2pp QoQ |
-24.3pp | 39.7% | 23.2% | 20.8% | 18% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
15
+2 (+15.4%) YoY -1 (-6.2%) QoQ |
+3 | 12 | 2,433 | 482 | 73% |
| Assets per Employee ($) |
$6.7M
-16.7% YoY +4.9% QoQ |
+$475K | $6.2M | $7.6M | $8.8M | 61% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
2.4%
+1.7pp YoY +0.5pp QoQ |
+0.6pp | 1.7% | 0.6% | 1.0% | 80% |
| Allowance Coverage |
0.30x
-70.0% YoY -19.7% QoQ |
-6.11x | 6.41x | 18.95x | 20.23x | 8% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
4.3%
-1.9pp YoY -0.5pp QoQ |
-2.0pp | 6.4% | 9.7% | 11.6% | 29% |
| Cost of Funds (YTD) |
2.4%
-0.2pp YoY 0.0pp QoQ |
+1.0pp | 1.4% | 1.7% | 1.7% | 90% |
| Net Income ($, YTD) |
$218,000
-27.3% YoY — QoQ |
-$100K | $317,817 | $259.3M | $40.4M | 39% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.