Peoples First Savings Bank
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Data as of · sourced from FFIEC call reports. How we update
Peoples First Savings Bank is an FDIC-insured commercial bank headquartered in Mason, OH, established in 1909 (FDIC certificate 30688), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $99.9M, down 3.9% from Q2 2025, the 131st largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 14.46% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30688
- Headquarters
- Mason, OH
- Established
- 1909
- Total assets, Q2 2026
- $99.9M
- Assets vs Q2 2025
- -3.9%
- CET1 ratio, Q2 2026
- 14.46%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 242272366
- Latest call report
- Q2 2026, FFIEC 051 · Peoples First Savings Bank call report
- Asset rank in state
- 131st of 154 in Ohio
Problem loans are rising at Peoples First Savings Bank. Its balance sheet stood at $100 million at June 30, 2026, down 3.9% from a year earlier; it is based in Mason, Ohio. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.34% of loans from 0.66% a year earlier. It carries problem assets equal to 19.3% of the capital and reserves that would absorb them, 14.0 times the median of 1.4% for the 583 banks with less than $100 million in assets. It also holds common equity equal to 14.46% of its risk-weighted assets, lower than about three-quarters of banks its size (median 22.08%).
Net income for the quarter slipped 28% from a year earlier, to $96,000. Over the same year, loans shrank 3.7% and deposits grew 0.4%. Funding is the softer spot: it pays an average of 2.49% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.53%).
As of June 30, 2026, Peoples First Savings Bank reported a CET1 capital ratio of 14.46%, a return on assets of 0.38%, a nonperforming-loan ratio of 2.34% and a Texas ratio of 19.27%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Peoples First Savings Bank is the 131st largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.6% to $99.9M, loans rose 0.4% and deposits rose 0.7%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 67.8% of total loans, followed by owner-occupied commercial real estate loans at 19.8%. Its 2 offices in the FDIC Summary of Deposits are in Mason, OH and Morrow, OH; its Mason office books 71% of its branch deposits. On its Q2 2026 call report, Peoples First Savings Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 225 Reading Rd, Mason, OH 45040
- County
- Warren
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1909
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 15
- Domestic deposits
- $85.5M
- Allowance for credit losses
- $627K
- Net charge-offs (YTD)
- $0
- Average total assets
- $101.2M
- Average total loans
- $89.3M
- Average interest-bearing deposits
- $75.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30688
- Fed RSSD
- 363778
- Website
- www.peoplesfirstohio.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Peoples First Savings Bank's total assets moved between a low of $98.6M (Q4 2023) and a high of $105.3M (Q4 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$99.9M total assets against $104.0M; $89.8M total liabilities against $94.2M.
$87.9M net loans and leases against $91.4M; $85.5M total deposits against $85.2M.
$1.2M securities against $451K; $5.1M cash and balances due against $6.5M.
$1.4M total interest income against $1.5M; $567K total interest expense against $610K.
$868K net interest income against $856K.
$70K total noninterest income against $82K; $813K total noninterest expense against $766K.
$3K provision for credit losses against $3K.
$96K net income against $134K.
0.38% return on assets against 0.52%; 3.51% net interest margin against 3.41%.
14.46% CET1 capital ratio against 13.85%; 10.01% tier 1 leverage ratio against 9.48%.
Inside the full Peoples First Savings Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Peoples First Savings Bank rankings
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.06% (Q4 2025) to 0.63% (Q1 2025) and its net interest margin ran from 3.08% (Q4 2024) to 3.52% (Q3 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.46% | 0.38% | 2.34% | 19.27% | 3.51% |
| Q1 2026 | 14.30% | 0.48% | 1.88% | 15.54% | 3.49% |
| Q4 2025 | 14.03% | 0.06% | 0.71% | 6.07% | 3.47% |
| Q3 2025 | 14.02% | 0.60% | 0.71% | 6.08% | 3.52% |
| Q2 2025 | 13.85% | 0.52% | 0.66% | 5.89% | 3.41% |
| Q1 2025 | 13.79% | 0.63% | 0.00% | 0.00% | 3.27% |
| Q4 2024 | 13.37% | 0.20% | 0.44% | 4.02% | 3.08% |
| Q3 2024 | 13.50% | 0.35% | 0.00% | 0.00% | 3.11% |
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Branch Network
View all 2 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Peoples First Savings Bank (main office) | Mason , OH | 45040 | $61.1M |
| Morrow Branch | Morrow , OH | 45152 | $24.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 148 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Peoples First Savings Bank
What are Peoples First Savings Bank's total assets?
As of the Q2 2026 filing, Peoples First Savings Bank reported total assets of $99.9 million in its FFIEC call report.
Where is Peoples First Savings Bank headquartered?
It is headquartered in Mason, OH, United States.
When was Peoples First Savings Bank founded?
It was established in 1909, per the FDIC institution directory.
Is Peoples First Savings Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #30688). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Peoples First Savings Bank?
Peoples First Savings Bank's primary federal regulator is the FDIC.
What is Peoples First Savings Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.46% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Peoples First Savings Bank operate?
It operates 2 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Peoples First Savings Bank's Texas Ratio?
Its Texas Ratio is 19.27% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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