BlastPoint's Banking Scorecard

The Peoples Savings and Loan Company

$100M-$1B Specialty: Mortgage OH FDIC cert 30889

Designations: ✓ Mutual

West Liberty, OH

2 branches across OH

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

The Peoples Savings and Loan Company has 1 strength but faces 6 concerns

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

+ Delinquency Rate 0.74% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 22.7% in tier
- Liquidity Strain: Bottom 47.4% in tier
- Net Interest Margin 1.01% below tier average
- Non-Interest Income / Assets 0.26% below tier average
- ROA 0.73% below tier average
- Efficiency Ratio 9.91% above tier average

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

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$110.7M +2.9% YoY +2.9% QoQ	-$275.4M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	Bottom 2.9% in tier
Total Loans ?	$95.7M +0.1% YoY -0.5% QoQ	-$160.0M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	18%
Total Deposits ?	$78.2M +4.6% YoY +0.9% QoQ	-$249.8M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	Bottom 0.8% in tier
Return on Assets ?	0.54% +37.7% YoY +36.8% QoQ	-0.73%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	Bottom 14.0% in tier
Net Interest Margin ?	2.92% +10.7% YoY +4.4% QoQ	-1.01%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	Bottom 9.1% in tier
Efficiency Ratio ?	75.20% -6.5% YoY -7.8% QoQ	+9.91%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	22%
Delinquency Rate ?	0.14% +0.5% QoQ	-0.74%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	69%
Loan-to-Deposit Ratio ?	122.40% -4.3% YoY -1.4% QoQ	+45.76%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	Bottom 0.7% in tier
Non-Interest-Bearing Deposit Share ?	15.26% +14.3% YoY -1.3% QoQ	-6.76%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	0.12% -2.8% QoQ	-0.51%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	67%
Tier 1 Capital Ratio ?	14.29% +6.5% YoY +9.9% QoQ	-1.54%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.02% -34.1% YoY -77.1% QoQ	-0.26%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	Bottom 4.1% in tier

Get Full Access to The 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 (2)

Credit Quality Pressure

risk

#298 of 1308 • Bottom 22.7% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.14%

(Tier: 0.89%, National: 0.95%)

better than tier avg

1308 of 1308 Community banks match · 1899 nationally

→ Stable +2 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#306 of 643 • Bottom 47.4% 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: 122.40%

(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 (8 metrics)

2646

Loan-to-Deposit Ratio

liquidity

Value: 122.40%

Peer Median: 76.64%

#2646 of 2664 Bottom 0.7% in $100M-$1B

2643

Total Deposits

size

Value: $78.20M

Peer Median: $327.97M

#2643 of 2664 Bottom 0.8% in $100M-$1B

2588

Total Assets

size

Value: $110.67M

Peer Median: $386.08M

#2588 of 2664 Bottom 2.9% in $100M-$1B

2557

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.28%

#2557 of 2664 Bottom 4.1% in $100M-$1B

2423

Net Interest Margin

profitability

Value: 2.92%

Peer Median: 3.93%

#2423 of 2664 Bottom 9.1% in $100M-$1B

2293

Return on Assets

profitability

Value: 0.54%

Peer Median: 1.27%

#2293 of 2664 Bottom 14.0% in $100M-$1B

2182

Total Loans

size

Value: $95.72M

Peer Median: $255.72M

#2182 of 2664 Bottom 18.1% in $100M-$1B

2079

Efficiency Ratio

profitability

Value: 75.20%

Peer Median: 65.29%

#2079 of 2664 Bottom 22.0% in $100M-$1B