The Peoples Savings and Loan Company (Bucyrus, OH)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Savings and Loan Company is an FDIC-insured commercial bank headquartered in Bucyrus, OH, established in 1888 (FDIC certificate 29813), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $157.4M, up 0.7% from Q2 2025, the 108th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 20.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29813
- Headquarters
- Bucyrus, OH
- Established
- 1888
- Total assets, Q2 2026
- $157.4M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 20.34%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 241270246
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Savings and Loan Company call report
- Asset rank in state
- 108th of 154 in Ohio
Problem loans are rising at The Peoples Savings and Loan Company. Based in Bucyrus, Ohio, it had $157 million in assets at June 30, 2026. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.22% of loans from 1.42% a year earlier. It earns about $0.42 a year on every $100 of assets, about a third the median of $1.28 for the 2,627 banks with $100 million to $1 billion in assets. It also spends about 84 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Earnings jumped: net income for the quarter was $165,000, 166% above the same quarter a year earlier. Over the same year, loans grew 7.1% and deposits grew 0.2%. Its margin is thin by comparison: it keeps 2.82 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.96 cents).
As of June 30, 2026, The Peoples Savings and Loan Company reported a return on assets of 0.42%, a nonperforming-loan ratio of 2.22% and a Texas ratio of 5.18%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Peoples Savings and Loan Company is the 108th largest by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 2.0% to $157.4M, loans rose 1.2% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 83.3% of total loans, ahead of commercial and industrial loans at 7.5%. Its 2 offices in the FDIC Summary of Deposits are in Bucyrus, OH. On its Q2 2026 call report, The Peoples Savings and Loan Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 300 S Walnut St, Bucyrus, OH 44820
- County
- Crawford
- Metro Area
- Bucyrus, OH
- 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, 1888
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 25
- Domestic deposits
- $126.2M
- Allowance for credit losses
- $243K
- Net charge-offs (YTD)
- $0
- Average total assets
- $158.3M
- Average total loans
- $72.8M
- Average interest-bearing deposits
- $116.9M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29813
- Fed RSSD
- 605571
- Website
- www.psalc.com →
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Peoples Savings and Loan Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
The Peoples Savings and Loan Company's total assets moved between a low of $147.3M (Q3 2023) and a high of $160.6M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$157.4M total assets against $156.2M; $126.5M total liabilities against $126.2M.
$72.4M net loans and leases against $67.6M; $126.2M total deposits against $125.9M.
$61.0M securities against $60.6M; $13.6M cash and balances due against $17.7M.
$1.6M total interest income against $1.5M; $528K total interest expense against $556K.
$1.0M net interest income against $939K.
$100K total noninterest income against $93K; $968K total noninterest expense against $952K.
$0 provision for credit losses against $18K.
$165K net income against $62K.
0.42% return on assets against 0.16%; 2.82% net interest margin against 2.58%.
20.34% tier 1 leverage ratio against 20.10%.
Inside the full The Peoples Savings and Loan Company 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.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
The Peoples Savings and Loan Company rankings
Its closest position to the top of a national ranking is 1,296 of 3,640, for Texas Ratio; its furthest is 3,361 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.02% (Q1 2025) to 0.42% (Q2 2026) and its net interest margin ran from 2.38% (Q4 2024) to 2.82% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.34% | 0.42% | 2.22% | 5.18% | 2.82% |
| Q1 2026 | 20.11% | 0.37% | 1.12% | 2.59% | 2.78% |
| Q4 2025 | 20.17% | 0.38% | 2.11% | 4.93% | 2.75% |
| Q3 2025 | 20.34% | 0.22% | 1.89% | 4.31% | 2.56% |
| Q2 2025 | 20.10% | 0.16% | 1.42% | 3.17% | 2.58% |
| Q1 2025 | 20.41% | -0.02% | 1.13% | 2.43% | 2.40% |
| Q4 2024 | 20.18% | 0.11% | 1.95% | 4.18% | 2.38% |
| Q3 2024 | 20.50% | 0.09% | 1.57% | 3.36% | 2.44% |
Swipe the table sideways to see every column.
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 Savings and Loan Company | Bucyrus , OH | 44820 | $120.8M |
| North Branch | Bucyrus , OH | 44820 | $5.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 127 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 The Peoples Savings and Loan Company
What are The Peoples Savings and Loan Company's total assets?
As of the Q2 2026 filing, The Peoples Savings and Loan Company reported total assets of $157.4 million in its FFIEC call report.
Where is The Peoples Savings and Loan Company headquartered?
It is headquartered in Bucyrus, OH, United States.
When was The Peoples Savings and Loan Company founded?
It was established in 1888, per the FDIC institution directory.
Is The Peoples Savings and Loan Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29813). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Savings and Loan Company?
The Peoples Savings and Loan Company's primary federal regulator is the FDIC.
How many branches does The Peoples Savings and Loan Company 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 The Peoples Savings and Loan Company's Texas Ratio?
Its Texas Ratio is 5.18% 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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