PEOPLES SAVINGS AND LOAN COMPANY, THE

WEST LIBERTY, OH | Small | Est. Jan. 1, 1890, midnight | FDIC #30889 | RSSD #943273 | FDIC
Latest Report: 2025-12-31

PEOPLES SAVINGS AND LOAN COMPANY, THE is asn small FDIC-insured commercial bank headquartered in WEST LIBERTY, OH, established in Jan. 1, 1890, midnight. As of 2025-12-31, the bank reported total assets of $108M and total deposits of $77M. Profitability stands at 0.26% ROA and 2.88% ROE, with a net interest margin of 2.97%. The bank's CET1 capital ratio is 13.01%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.14% and a Texas Ratio of 1.31%. FDIC Certificate #30889.

Assets

$108M

Deposits

$77M

Loans

$97M

Equity

$10M

Profitability

Return on Assets (ROA) 0.26%
Return on Equity (ROE) 2.88%
Net Interest Margin (NIM) 2.97%
Yield on Assets 5.43%
Cost of Funds 2.83%

Asset Quality

NPL Ratio 0.14%
Net Charge-Off Ratio --
Texas Ratio 1.31%
NPA Ratio 0.13%
ACL / Loans 0.83%

Capital & Liquidity

CET1 Ratio 13.01%
Tier 1 Capital 13.01%
Total Capital Ratio 14.11%
Leverage Ratio 8.85%
Loan-to-Deposit 125.23%

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