The Peoples Savings and Loan Company: 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.
Loan-to-deposit ratio climbed 2.16 percentage points in Q2 2026, from 55.39% to 57.55%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Peoples Savings and Loan Company is 131st of 156 on return on assets, 0.42% as of Q2 2026, below the middle of the field. The Peoples Savings and Loan Company's return on assets of 0.42% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.83 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 20.34% |
| Equity capital to assets | 19.62% |
| Tangible equity to tangible assets | 19.62% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.28% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.18% |
| Allowance for credit losses to loans | 0.33% |
| Reserve coverage of non-performing loans | 119.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.42% |
| Return on equity | 2.14% |
| Net interest margin | 2.82% |
| Efficiency ratio | 84.29% |
| Yield on earning assets | 4.23% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.55% |
| Core deposits to total deposits | 91.25% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 80.20% |
| Securities to assets | 38.73% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.32% | 0.15% | 2.89% | 0.25% | 0.17% |
| Q4 2023 | 20.92% | 0.31% | 2.69% | 0.30% | 0.00% |
| Q1 2024 | 20.89% | 0.14% | 2.68% | 0.30% | 0.00% |
| Q2 2024 | 21.27% | 0.36% | 2.79% | 0.27% | 0.00% |
| Q3 2024 | 20.50% | 0.09% | 2.44% | 0.25% | 0.06% |
| Q4 2024 | 20.18% | 0.11% | 2.38% | 0.24% | 0.00% |
| Q1 2025 | 20.41% | -0.02% | 2.40% | 0.24% | 0.00% |
| Q2 2025 | 20.10% | 0.16% | 2.58% | 0.43% | 0.00% |
| Q3 2025 | 20.34% | 0.22% | 2.56% | 0.42% | 0.00% |
| Q4 2025 | 20.17% | 0.38% | 2.75% | 0.40% | 0.00% |
| Q1 2026 | 20.11% | 0.37% | 2.78% | 0.28% | 0.00% |
| Q2 2026 | 20.34% | 0.42% | 2.82% | 0.28% | 0.00% |
The Peoples Savings and Loan Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Peoples Savings and Loan Company, 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 The Peoples Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29813) · FFIEC NIC profile (RSSD 605571)