Peoples Savings and Loan Company, The
West Liberty, OH · Cert 30889 · Peer group: banks under $1B in assets in OH (n=68-71)
SL · FDIC · 2 branches
Q2 2026
$109.9MAssets
$96.0MLoans
$79.1MDeposits
$9.9MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
- Widest gap: net interest margin trails 85% of banks under $1B in assets in OH (rank 60 of 71).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.68%
Rank 52 of 71
Net Interest Margin
2.80%
Rank 60 of 71
Efficiency Ratio
72.92%
Rank 40 of 71
Equity / Assets
9.04%
Rank 48 of 71
Non-interest income vs. expense
Unfavorable gap of $2.2M · efficiency ratio beats 45% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.68% | 0.62% | 1.02% | 1.39% | Beats 27% | 52 / 71 | | |
| Return on Equity | 7.57% | 5.62% | 10.07% | 13.60% | Beats 38% | 44 / 71 | | |
| Net Interest Margin | 2.80% | 2.93% | 3.56% | 4.07% | Beats 15% | 60 / 71 | | |
| Efficiency Ratio | 72.92% | 55.94% | 70.77% | 78.80% | Beats 45% | 40 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.14% | 0.08% | 0.27% | 0.97% | Beats 65% | 25 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 14.26% | 11.18% | 13.77% | 20.34% | Beats 52% | 34 / 71 | | |
| Total Risk-Based Capital Ratio | 15.44% | 12.08% | 14.34% | 21.24% | Beats 56% | 31 / 71 | | |
| Equity / Assets | 9.04% | 8.41% | 10.74% | 13.32% | Beats 32% | 48 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 121.44% | 64.48% | 76.81% | 87.49% | 99th pctl | 1 / 68 | | |
| Loans / Assets | 87.36% | 55.33% | 65.58% | 72.51% | 96th pctl | 3 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |