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Peoples Savings and Loan Company, The

Bucyrus, OH · Cert 29813

State charter, non-member · FDIC · 2 branches

Q2 2026

$157.4MAssets
$72.6MLoans
$126.2MDeposits
$30.9MEquity
Loan mix
89%RE $63.9M7%C&I $5.1M4%Consumer $2.8MQ2 2025Q2 2026
Deposit mix
92%Interest-bearing $116.4M8%Noninterest $9.8MQ2 2025Q2 2026

NIM

3.73%Q2 ’243.80%Q2 ’253.94%Q2 ’26-7%+9%

Non-interest income vs. expense

2.43%Q2 ’242.42%Q2 ’252.45%Q2 ’26+0%+0%

Executive Summary

  • Earnings: ROA of 0.42%, up 26 bps year over year; NIM at 2.61%.
  • Asset quality: problem loans at 2.22% of loans (+80 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 20.34%, up 24 bps from a year ago.
  • Funding: loans stand at 57.55% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.42%+26 bps YoY

Net Interest Margin (quarter, annualized)

2.61%+22 bps YoY

Efficiency Ratio (quarter, annualized)

85.44%-681 bps YoY

Tier 1 Leverage Ratio

20.34%+24 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.16%0.22%0.39%0.37%0.42%+26 bps
Return on Equity0.83%1.14%2.00%1.91%2.14%+132 bps
Net Interest Margin2.39%2.38%2.52%2.57%2.61%+22 bps
Efficiency Ratio92.25%91.40%86.10%86.89%85.44%-681 bps
Non-Interest Burden2.18%2.16%2.14%2.21%2.19%+1 bps
Growth
Asset Growth (YoY)6.01%1.22%0.62%3.53%0.74%-527 bps
Loan Growth (YoY)5.10%7.08%10.58%10.88%7.13%+203 bps
Deposit Growth (YoY)7.28%1.43%0.42%3.80%0.23%-705 bps
Asset Quality
Nonperforming Loans / Loans1.42%1.89%2.11%1.12%2.22%+80 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.36%0.35%0.34%0.34%0.33%-2 bps
Allowance Coverage of NPLs0.3x0.2x0.2x0.3x0.2x-0.1x
Capital
Tier 1 Leverage Ratio20.10%20.34%20.17%20.11%20.34%+24 bps
Total Risk-Based Capital20.10%20.34%20.17%20.11%20.34%+24 bps
Equity / Assets19.23%19.22%19.38%19.13%19.62%+39 bps
Liquidity & Funding
Loans / Deposits53.84%54.89%56.69%55.39%57.55%+371 bps
Liquid Assets / Assets44.09%42.62%42.14%40.66%41.06%-303 bps
CRE / Total Capitaln/a7.15%7.06%8.27%n/an/a