The Peoples Savings and Loan Company (West Liberty, 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 savings and loan association headquartered in West Liberty, OH, established in 1890 (FDIC certificate 30889), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $109.9M, down 0.8% from Q2 2025, the 124th largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 14.26% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30889
- Headquarters
- West Liberty, OH
- Established
- 1890
- Total assets, Q2 2026
- $109.9M
- Assets vs Q2 2025
- -0.8%
- CET1 ratio, Q2 2026
- 14.26%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 244172008
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Savings and Loan Company call report
- Asset rank in state
- 124th of 154 in Ohio
The Peoples Savings and Loan Company, based in West Liberty, Ohio, reported $110 million in assets at June 30, 2026. It holds commercial real estate loans equal to only 9% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it keeps 3.04 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Earnings jumped: net income for the quarter was $228,000, 75% above the same quarter a year earlier. Over the same year, loans shrank 1.7% and deposits grew 3.2%. Where it has less room is capital: it funds 8.99% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, The Peoples Savings and Loan Company reported a CET1 capital ratio of 14.26%, a return on assets of 0.83%, a nonperforming-loan ratio of 0.14% and a Texas ratio of 1.28%. 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 124th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 0.7% to $109.9M, loans fell 0.5% and deposits rose 1.1%. 1-4 family residential loans made up 76.5% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 10.8%. The FDIC Summary of Deposits lists 2 offices for it, in West Liberty, OH and Jackson Center, OH; its West Liberty office books 81% of its branch deposits. On its Q2 2026 call report, The Peoples Savings and Loan Company meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 110 N Detroit St, West Liberty, OH 43357
- County
- Logan
- Metro Area
- Bellefontaine, OH
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Former names
- The Peoples Savings and Loan Company (1996)
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 12
- Domestic deposits
- $79.1M
- Allowance for credit losses
- $818K
- Net charge-offs (YTD)
- $0
- Average total assets
- $110.4M
- Average total loans
- $96.5M
- Average interest-bearing deposits
- $66.4M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30889
- Fed RSSD
- 943273
- Website
- www.peoplessavingsonline.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
From Q3 2023 to Q2 2026, The Peoples Savings and Loan Company's total assets ranged from $95.5M (Q4 2023) to $110.8M (Q2 2025), 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
$109.9M total assets against $110.8M; $99.9M total liabilities against $101.4M.
$95.2M net loans and leases against $96.9M; $79.1M total deposits against $76.6M.
$1.7M securities against $1.6M; $7.6M cash and balances due against $6.6M.
$1.4M total interest income against $1.3M; $558K total interest expense against $608K.
$799K net interest income against $708K.
$23K total noninterest income against $21K; $582K total noninterest expense against $574K.
$4K provision for credit losses against $5K.
$228K net income against $130K.
0.83% return on assets against 0.48%; 3.04% net interest margin against 2.75%.
14.26% CET1 capital ratio against 13.24%; 8.99% tier 1 leverage ratio against 8.62%.
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.
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.
The Peoples Savings and Loan Company rankings
Its closest position to the top of a national ranking is 1,062 of 2,134, for CET1 ratio; its furthest is 3,591 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.12% (Q4 2024) to 0.83% (Q2 2026) and its net interest margin ran from 2.24% (Q3 2024) to 3.04% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.26% | 0.83% | 0.14% | 1.28% | 3.04% |
| Q1 2026 | 14.29% | 0.54% | 0.14% | 1.29% | 2.86% |
| Q4 2025 | 13.01% | 0.26% | 0.14% | 1.31% | 2.85% |
| Q3 2025 | 13.94% | 0.45% | 0.00% | 0.00% | 2.78% |
| Q2 2025 | 13.24% | 0.48% | 0.00% | 0.00% | 2.75% |
| Q1 2025 | 13.42% | 0.39% | 0.00% | 0.00% | 2.59% |
| Q4 2024 | 13.50% | 0.12% | 0.00% | 0.00% | 2.45% |
| Q3 2024 | 13.70% | 0.12% | 0.00% | 0.02% | 2.24% |
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 |
|---|---|---|---|
| The Peoples Savings and Loan Company | West Liberty , OH | 43357 | $64.0M |
| Jackson Center Branch | Jackson Center , OH | 45334 | $15.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 152 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 $109.9 million in its FFIEC call report.
Where is The Peoples Savings and Loan Company headquartered?
It is headquartered in West Liberty, OH, United States.
When was The Peoples Savings and Loan Company founded?
It was established in 1890, per the FDIC institution directory.
Is The Peoples Savings and Loan Company FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (FDIC Certificate #30889). 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.
What is The Peoples Savings and Loan Company's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 14.26% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
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 1.28% 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.
What was The Peoples Savings and Loan Company previously called?
The charter now named The Peoples Savings and Loan Company has also operated as The Peoples Savings and Loan Company (1996), per FDIC structure-change records.
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