The Peoples Savings and Loan Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples Savings and Loan Company of West Liberty, OH against its peer group of 2672 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 | 0.83% | 1.34% | -0.51% | 24th bottom |
| ROAE | 9.26% | 13.31% | -4.05% | 32nd below |
| Net Interest Margin | 3.04% | 3.93% | -0.89% | 11th bottom |
| Efficiency Ratio | 70.67% | 61.14% | +9.53% | 27th below |
| PPNR / Avg Assets | 0.87% | 1.68% | -0.81% | 16th bottom |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds | 2.23% | 1.88% | +0.35% | 24th bottom |
| Net Interest Spread | 2.62% | 3.32% | -0.70% | 18th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.14% | 0.94% | -0.80% | 69th above |
| NPA / Total Assets | 0.13% | 0.70% | -0.57% | 67th above |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.85% | 1.28% | -0.43% | 14th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 592.75% | 1538.78% | -946.03% | 74th above |
| Texas Ratio | 1.28% | 7.33% | -6.05% | 69th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 14.26% | 19.50% | -5.24% | 41st below |
| Tier 1 Ratio | 14.26% | 19.54% | -5.28% | 41st below |
| Total Capital Ratio | 15.44% | 20.62% | -5.18% | 42nd below |
| Leverage Ratio | 8.99% | 12.14% | -3.15% | 12th bottom |
| Equity / Assets | 9.04% | 11.37% | -2.33% | 28th below |
| TCE / Tangible Assets | 9.04% | 11.09% | -2.05% | 32nd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 121.44% | 80.63% | +40.81% | 1st bottom |
| Core Deposit Ratio | 91.61% | 86.86% | +4.75% | 64th above |
| Wholesale Funding Ratio | 18.71% | 5.03% | +13.68% | 2nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -0.84% | 6.85% | -7.69% | 15th bottom |
| Loan Growth (Y/Y) | -1.70% | 7.90% | -9.60% | 16th bottom |
| Deposit Growth (Y/Y) | 3.16% | 6.29% | -3.13% | 44th below |
See The Peoples Savings and Loan Company's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Peoples Savings and Loan Company, 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 The Peoples Savings and Loan Company profile, how to read a UBPR, or how this data updates.