PEOPLES SAVINGS AND LOAN COMPANY, THE
PEOPLES SAVINGS AND LOAN COMPANY, THE is an FDIC-insured commercial bank headquartered in WEST LIBERTY, OH, established in 1890. As of , 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 2.88%. CET1 capital ratio: 13.01%, well above regulatory minimums. NPL ratio: 0.14% · Texas Ratio: 1.31%. Operates 2 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Peoples Savings and Loan Company, the rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 13.01% | 0.26% | 0.14% | 1.31% | 2.88% |
| 2025-09-30 | 13.94% | 0.45% | 0.00% | 0.00% | 2.79% |
| 2025-06-30 | 13.24% | 0.48% | 0.00% | 0.00% | 2.76% |
| 2025-03-31 | 13.42% | 0.39% | 0.00% | 0.00% | 2.60% |
| 2024-12-31 | 13.50% | 0.12% | 0.00% | 0.00% | 2.47% |
| 2024-09-30 | 13.70% | 0.12% | 0.00% | 0.00% | 2.25% |
| 2024-06-30 | 8.95% | 0.17% | 0.00% | 0.00% | 2.15% |
| 2024-03-31 | 9.11% | 0.12% | 0.00% | 0.00% | 2.19% |
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Frequently asked about PEOPLES SAVINGS AND LOAN COMPANY, THE
What are Peoples Savings and Loan Company, the's total assets?
As of the Q4 2025 filing, Peoples Savings and Loan Company, the reported total assets of $107.6 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Peoples Savings and Loan Company, the headquartered?
Peoples Savings and Loan Company, the is headquartered in WEST LIBERTY, OH, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Peoples Savings and Loan Company, the founded?
Peoples Savings and Loan Company, the was established in 1890, per the FDIC institution directory.
Is Peoples Savings and Loan Company, the FDIC-insured?
Yes. Peoples Savings and Loan Company, the is an FDIC-insured commercial bank (FDIC Certificate #30889). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples Savings and Loan Company, the?
Peoples Savings and Loan Company, the's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Peoples Savings and Loan Company, the's CET1 capital ratio?
Peoples Savings and Loan Company, the reported a Common Equity Tier 1 (CET1) capital ratio of 13.01% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Peoples Savings and Loan Company, the operate?
Peoples Savings and Loan Company, the operates 2 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Peoples Savings and Loan Company, the's Texas Ratio?
Peoples Savings and Loan Company, the's Texas Ratio is 1.31% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.