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Peoples Savings and Loan Company, The

West Liberty, OH · Cert 30889

SL · FDIC · 2 branches

Q2 2026

$109.9MAssets
$96.0MLoans
$79.1MDeposits
$9.9MEquity
Loan mix
97%RE $93.6M2%C&I $1.6M2%Consumer $1.7MQ2 2025Q2 2026
Deposit mix
84%Interest-bearing $66.0M16%Noninterest $13.0MQ2 2025Q2 2026

NIM

4.41%Q2 ’244.85%Q2 ’254.91%Q2 ’26+29%+11%

Non-interest income vs. expense

1.97%Q2 ’242.12%Q2 ’252.11%Q2 ’26+9%-1%

Executive Summary

  • Earnings: ROA of 0.83%, up 35 bps year over year; NIM at 2.89%.
  • Asset quality: problem loans at 0.14% of loans (+14 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 8.99%, up 36 bps from a year ago.
  • Funding: loans stand at 121.44% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.83%+35 bps YoY

Net Interest Margin (quarter, annualized)

2.89%+28 bps YoY

Efficiency Ratio (quarter, annualized)

70.80%-794 bps YoY

Tier 1 Leverage Ratio

8.99%+36 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.48%0.45%0.26%0.54%0.83%+35 bps
Return on Equity5.57%5.14%2.88%6.10%9.26%+369 bps
Net Interest Margin2.61%2.64%2.71%2.74%2.89%+28 bps
Efficiency Ratio78.74%78.99%87.73%75.20%70.80%-794 bps
Non-Interest Burden2.04%2.07%2.37%2.04%2.02%-1 bps
Growth
Asset Growth (YoY)9.66%3.86%3.86%2.87%-0.84%-1,050 bps
Loan Growth (YoY)8.22%4.34%3.10%0.14%-1.70%-992 bps
Deposit Growth (YoY)13.03%7.68%7.40%4.57%3.16%-988 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.14%0.14%0.14%+14 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.82%0.85%0.83%0.84%0.85%+3 bps
Allowance Coverage of NPLsn/an/a5.9x5.9x5.9xn/a
Capital
Tier 1 Leverage Ratio8.62%8.75%8.85%8.91%8.99%+36 bps
Total Risk-Based Capital14.37%15.12%14.11%15.49%15.44%+107 bps
Equity / Assets8.48%9.00%8.95%8.83%9.04%+55 bps
Liquidity & Funding
Loans / Deposits127.45%124.84%125.23%123.44%121.44%-601 bps
Liquid Assets / Assets5.24%3.02%2.71%5.54%5.61%+36 bps
CRE / Total Capitaln/a139.40%111.87%118.74%n/an/a