Peoples Savings and Loan Company, The
Bucyrus, OH · Cert 29813 · Peer group: banks under $1B in assets in OH (n=68-71)
State charter, non-member · FDIC · 2 branches
Q2 2026
$157.4MAssets
$72.6MLoans
$126.2MDeposits
$30.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: return on equity trails 94% of banks under $1B in assets in OH (rank 67 of 71).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.40%
Rank 63 of 71
Net Interest Margin
2.60%
Rank 62 of 71
Efficiency Ratio
86.16%
Rank 62 of 71
Equity / Assets
19.62%
Rank 9 of 71
Non-interest income vs. expense
Unfavorable gap of $3.5M · efficiency ratio beats 14% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.40% | 0.62% | 1.02% | 1.39% | Beats 11% | 63 / 71 | |
| Return on Equity | 2.02% | 5.62% | 10.07% | 13.60% | Beats 6% | 67 / 71 | |
| Net Interest Margin | 2.60% | 2.93% | 3.56% | 4.07% | Beats 13% | 62 / 71 | |
| Efficiency Ratio | 86.16% | 55.94% | 70.77% | 78.80% | Beats 14% | 62 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.22% | 0.08% | 0.27% | 0.97% | Beats 9% | 63 / 68 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 20.34% | 11.18% | 13.77% | 20.34% | Beats 75% | 18 / 71 | |
| Total Risk-Based Capital Ratio | 20.34% | 12.08% | 14.34% | 21.24% | Beats 72% | 20 / 71 | |
| Equity / Assets | 19.62% | 8.41% | 10.74% | 13.32% | Beats 87% | 9 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 57.55% | 64.48% | 76.81% | 87.49% | 10th pctl | 61 / 68 | |
| Loans / Assets | 46.16% | 55.33% | 65.58% | 72.51% | 11th pctl | 63 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |