Peoples First Savings Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Peoples First Savings Bank of Mason, OH against its peer group of 506 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.38% | 3.14% | -2.76% | 23rd bottom |
| ROAE | 3.81% | 10.32% | -6.51% | 28th below |
| Net Interest Margin | 3.51% | 3.94% | -0.43% | 31st below |
| Efficiency Ratio | 86.67% | 76.29% | +10.38% | 22nd bottom |
| PPNR / Avg Assets | 0.49% | 1.41% | -0.92% | 20th bottom |
| Yield on Earning Assets | 5.81% | 5.35% | +0.46% | 71st above |
| Cost of Funds | 2.49% | 1.70% | +0.79% | 15th bottom |
| Net Interest Spread | 2.99% | 3.32% | -0.33% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.34% | 1.33% | +1.01% | 15th bottom |
| NPA / Total Assets | 2.07% | 0.71% | +1.36% | 8th bottom |
| NCO / Avg Loans | 0.00% | 0.10% | -0.10% | 53rd above |
| ACL / Total Loans | 0.71% | 1.49% | -0.78% | 10th bottom |
| ACL / NPLs (Coverage) | 30.25% | 868.60% | -838.35% | 7th bottom |
| Texas Ratio | 19.27% | 8.23% | +11.04% | 8th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.46% | 62.45% | -47.99% | 19th bottom |
| Tier 1 Ratio | 14.46% | 62.45% | -47.99% | 19th bottom |
| Total Capital Ratio | 15.36% | 63.42% | -48.06% | 18th bottom |
| Leverage Ratio | 10.01% | 17.66% | -7.65% | 19th bottom |
| Equity / Assets | 10.14% | 16.46% | -6.32% | 28th below |
| TCE / Tangible Assets | 10.14% | 16.21% | -6.07% | 30th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 103.56% | 72.75% | +30.81% | 7th bottom |
| Core Deposit Ratio | 79.24% | 88.30% | -9.06% | 11th bottom |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 4.00% | 5.19% | -1.19% | 47th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -3.86% | 4.28% | -8.14% | 15th bottom |
| Loan Growth (Y/Y) | -3.69% | 6.78% | -10.47% | 23rd bottom |
| Deposit Growth (Y/Y) | 0.38% | 3.73% | -3.35% | 40th below |
See Peoples First Savings Bank's peers by name
The 506 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Peoples First Savings Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Peoples First Savings Bank profile, how to read a UBPR, or how this data updates.