Peoples First Savings Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 7.41 percentage points in Q2 2026, from 37.66% to 30.25%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, Peoples First Savings Bank is 137th of 156 on return on assets, 0.38% as of Q2 2026, below the middle of the field. Peoples First Savings Bank's return on assets of 0.38% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 0.60 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.46% |
| Tier 1 risk-based capital ratio | 14.46% |
| Total risk-based capital ratio | 15.36% |
| Tier 1 leverage ratio | 10.01% |
| Equity capital to assets | 10.14% |
| Tangible equity to tangible assets | 10.14% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.34% |
| Non-performing assets ratio | 2.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 19.27% |
| Allowance for credit losses to loans | 0.71% |
| Reserve coverage of non-performing loans | 30.25% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.38% |
| Return on equity | 3.81% |
| Net interest margin | 3.51% |
| Efficiency ratio | 86.67% |
| Yield on earning assets | 5.81% |
| Cost of funds | 2.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 103.56% |
| Core deposits to total deposits | 79.24% |
| Brokered deposits to total deposits | 6.52% |
| Deposits to assets | 85.58% |
| Securities to assets | 1.21% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 13.43% | 13.43% | 14.31% | 9.22% | 0.34% |
| Q4 2023 | 13.50% | 13.50% | 14.38% | 9.27% | 0.30% |
| Q1 2024 | 13.76% | 13.76% | 14.66% | 9.37% | 0.30% |
| Q2 2024 | 13.56% | 13.56% | 14.44% | 9.31% | 0.35% |
| Q3 2024 | 13.50% | 13.50% | 14.37% | 9.29% | 0.35% |
| Q4 2024 | 13.37% | 13.37% | 14.23% | 9.07% | 0.20% |
| Q1 2025 | 13.79% | 13.79% | 14.67% | 9.10% | 0.63% |
| Q2 2025 | 13.85% | 13.85% | 14.73% | 9.48% | 0.52% |
| Q3 2025 | 14.02% | 14.02% | 14.90% | 9.63% | 0.60% |
| Q4 2025 | 14.03% | 14.03% | 14.91% | 9.46% | 0.06% |
| Q1 2026 | 14.30% | 14.30% | 15.19% | 9.88% | 0.48% |
| Q2 2026 | 14.46% | 14.46% | 15.36% | 10.01% | 0.38% |
Peoples First Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Peoples First Savings Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Peoples First Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30688) · FFIEC NIC profile (RSSD 363778)