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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 $2.8MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $116.4M8%Noninterest $9.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 0.39%, up 32 bps year over year; NIM at 2.60%.
  • 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.

Return on Assets (YTD, annualized)

0.39%+32 bps YoY

Net Interest Margin (YTD, annualized)

2.60%+31 bps YoY

Efficiency Ratio (YTD, annualized)

86.16%-1,017 bps YoY

Tier 1 Leverage Ratio

20.34%+24 bps YoY

NIM

3.70%Q2 ’243.70%Q2 ’253.93%Q2 ’26-9%+13%

Non-interest income vs. expense

2.47%Q2 ’242.44%Q2 ’252.45%Q2 ’26-1%+0%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.20%0.17%-0.02%0.07%0.12%0.19%0.37%0.39%+32 bps
Return on Equity1.00%0.89%-0.09%0.37%0.63%0.97%1.91%2.03%+166 bps
Net Interest Margin2.37%2.30%2.24%2.29%2.34%2.36%2.57%2.60%+31 bps
Efficiency Ratio90.96%92.48%100.73%96.33%94.65%92.39%86.89%86.16%-1,017 bps
Non-Interest Burden2.14%2.11%2.26%2.20%2.20%2.16%2.21%2.21%+1 bps
Growth
Asset Growth (YoY)5.42%4.23%1.42%6.01%1.22%0.62%3.53%0.74%-527 bps
Loan Growth (YoY)4.21%0.49%1.98%5.10%7.08%10.58%10.88%7.13%+203 bps
Deposit Growth (YoY)5.70%4.83%1.42%7.28%1.43%0.42%3.80%0.23%-705 bps
Asset Quality
Nonperforming Loans / Loans1.57%1.95%1.13%1.42%1.89%2.11%1.12%2.22%+80 bps
Net Charge-Offs / Loans0.02%0.01%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.34%0.35%0.35%0.36%0.35%0.34%0.34%0.33%-2 bps
Allowance Coverage of NPLs0.2x0.2x0.3x0.3x0.2x0.2x0.3x0.2x-0.1x
Capital
Tier 1 Leverage Ratio20.50%20.18%20.41%20.10%20.34%20.17%20.11%20.34%+24 bps
Total Risk-Based Capital20.50%20.18%20.41%20.10%20.34%20.17%20.11%20.34%+24 bps
Equity / Assets19.40%19.18%19.32%19.23%19.22%19.38%19.13%19.62%+39 bps
Liquidity & Funding
Loans / Deposits52.00%51.48%51.85%53.84%54.89%56.69%55.39%57.55%+371 bps
Liquid Assets / Assets43.62%45.34%43.18%44.09%42.62%42.14%40.66%41.06%-303 bps
CRE / Total Capitaln/an/an/an/a7.15%7.06%8.27%n/an/a