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The Peoples Savings and Loan Company

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

Designations: ✓ Mutual

West Liberty, 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 +3.2% year over year ($79.1M on the books).
  • Delinquency rate 0.14%.
  • Return on assets 0.69%.
  • Efficiency ratio 72.92% vs a 64.48% peer average.
  • Loan-to-deposit ratio 120.41% 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) →

The Peoples Savings and Loan Company has 1 strength but faces 7 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 0.77% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 11.0% in tier
  • - Credit Quality Pressure: Bottom 22.3% in tier
  • - Liquidity Strain: Bottom 42.7% in tier
  • - Non-Interest Income / Assets 0.53% below tier average
  • - ROA 0.63% below tier average
  • - Net Interest Margin 0.97% below tier average
  • - Efficiency Ratio 8.44% above tier average
Get updates when The 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 ? $109.9M
-0.8% YoY -0.7% QoQ
-$276.7M $386.6M
+1.2% YoY
$36.7B
+9.4% YoY
$6.3B
+7.7% YoY
Bottom 2.8% in tier
Total Loans ? $95.2M
-1.7% YoY -0.5% QoQ
-$163.1M $258.3M
+1.7% YoY
$16.2B
+12.1% YoY
$3.2B
+9.4% YoY
17%
Total Deposits ? $79.1M
+3.2% YoY +1.1% QoQ
-$247.7M $326.7M
+0.7% YoY
$26.4B
+7.6% YoY
$4.9B
+7.3% YoY
Bottom 0.9% in tier
Return on Assets ? 0.69%
+57.7% YoY +26.7% QoQ
-0.63% 1.32%
+10.8% YoY
1.21%
+9.4% YoY
1.30%
+12.1% YoY
19%
Net Interest Margin ? 3.02%
+11.6% YoY +3.4% QoQ
-0.97% 3.99%
+5.0% YoY
3.65%
+6.4% YoY
3.95%
+4.9% YoY
Bottom 10.4% in tier
Efficiency Ratio ? 72.92%
-8.3% YoY -3.0% QoQ
+8.44% 64.48%
-3.2% YoY
70.70%
-3.8% YoY
70.05%
+2.5% YoY
24%
Delinquency Rate ? 0.14%
+1.3% QoQ
-0.77% 0.92%
+15.7% YoY
0.68%
+23.3% YoY
0.98%
+16.3% YoY
70%
Loan-to-Deposit Ratio ? 120.41%
-4.7% YoY -1.6% QoQ
+42.46% 77.95%
+1.0% YoY
79.88%
+0.7% YoY
79.03%
+2.3% YoY
Bottom 1.3% in tier
Non-Interest-Bearing Deposit Share ? 16.46%
+26.6% YoY +7.8% QoQ
-5.57% 22.03%
-0.6% YoY
18.59%
+0.9% YoY
21.98%
-0.6% YoY
30%
Nonperforming Asset Ratio ? 0.13%
+1.4% QoQ
-0.54% 0.67%
+16.4% YoY
0.46%
+23.9% YoY
0.69%
+15.8% YoY
68%
Tier 1 Capital Ratio ? 14.26%
+7.7% YoY -0.2% QoQ
-1.65% 15.91%
+1.4% YoY
18.68%
-0.2% YoY
17.09%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.04%
-14.7% YoY +111.0% QoQ
-0.53% 0.57%
+7.6% YoY
1.22%
+2.7% YoY
0.66%
+5.2% YoY
Bottom 4.1% in tier

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 16.5%
+3.5pp YoY
+1.2pp QoQ
 -5.7pp 22.1% 18.8% 22.2% 29%
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 1.6%
0.0pp YoY
0.0pp QoQ
 -9.9pp 11.6% 10.2% 12.5% 5%
CRE n/a n/a 39.5% 34.2% 41.4% n/a
1-4 Family 77.1%
+2.6pp YoY
0.0pp QoQ
 +44.5pp 32.6% 50.0% 31.3% 96%
Consumer 1.7%
-0.1pp YoY
-0.1pp QoQ
 -2.4pp 4.1% 4.7% 5.0% 43%

Capital

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
CET1 Ratio 14.3%
+1.0pp YoY
0.0pp QoQ
 -4.6pp 18.8% 22.1% 19.7% 42%
Leverage Ratio 9.0%
+0.4pp YoY
+0.1pp QoQ
 -3.2pp 12.2% 12.9% 12.6% 12%
Total Capital Ratio 15.4%
+1.1pp YoY
-0.1pp QoQ
 -4.5pp 19.9% 23.2% 20.8% 42%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OH) National Avg Tier Percentile
Full-Time Employees 12
0 YoY
0 QoQ
 -47 58 2,433 482 2%
Assets per Employee ($) $9.2M
-0.8% YoY
-0.7% QoQ
 +$1.6M $7.5M $7.6M $8.8M 80%
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 n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.1%
0.0pp QoQ
 -0.8pp 0.9% 0.6% 1.0% 24%
Allowance Coverage 5.93x
-0.1% QoQ
 -18.23x 24.15x 18.95x 20.23x 74%
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 7.7%
+2.6pp YoY
+1.6pp QoQ
 -4.5pp 12.2% 9.7% 11.6% 24%
Cost of Funds (YTD) 2.2%
-0.2pp YoY
0.0pp QoQ
 +0.5pp 1.7% 1.7% 1.7% 81%
Net Income ($, YTD) $376,000
+60.7% YoY
— QoQ
 -$2.2M $2.6M $259.3M $40.4M 8%

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
#59 of 529 • Bottom 11.0% 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: 0.69%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Credit Quality Pressure

risk
#281 of 1256 • Bottom 22.3% 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: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Liquidity Strain

risk
#296 of 691 • Bottom 42.7% 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: 120.41%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (8 metrics)

2619
Total Deposits
size
Value: $79.06M
Peer Median: $326.73M
#2619 of 2643 Bottom 0.9% in $100M-$1B
2610
Loan-to-Deposit Ratio
liquidity
Value: 120.41%
Peer Median: 77.95%
#2610 of 2643 Bottom 1.3% in $100M-$1B
2571
Total Assets
size
Value: $109.90M
Peer Median: $386.57M
#2571 of 2643 Bottom 2.8% in $100M-$1B
2536
Non-Interest Income / Assets
revenue_mix
Value: 0.04%
Peer Median: 0.57%
#2536 of 2643 Bottom 4.1% in $100M-$1B
2368
Net Interest Margin
profitability
Value: 3.02%
Peer Median: 3.99%
#2368 of 2643 Bottom 10.4% in $100M-$1B
2196
Total Loans
size
Value: $95.20M
Peer Median: $258.35M
#2196 of 2643 Bottom 17.0% in $100M-$1B
2154
Return on Assets
profitability
Value: 0.69%
Peer Median: 1.32%
#2154 of 2643 Bottom 18.5% in $100M-$1B
2008
Efficiency Ratio
profitability
Value: 72.92%
Peer Median: 64.48%
#2008 of 2643 Bottom 24.1% in $100M-$1B
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