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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 1.99 percentage points lower than in Q1 2026, at 121.44%. Within Ohio, The Peoples Savings and Loan Company is 101st of 156 on return on assets, 0.83% as of Q2 2026, below the middle of the field. The Peoples Savings and Loan Company reported 0.83% on return on assets for Q2 2026, 0.43 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.26% |
| Tier 1 risk-based capital ratio | 14.26% |
| Total risk-based capital ratio | 15.44% |
| Tier 1 leverage ratio | 8.99% |
| Equity capital to assets | 9.04% |
| Tangible equity to tangible assets | 9.04% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.14% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.28% |
| Allowance for credit losses to loans | 0.85% |
| Reserve coverage of non-performing loans | 592.75% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.83% |
| Return on equity | 9.26% |
| Net interest margin | 3.04% |
| Efficiency ratio | 70.67% |
| Yield on earning assets | 5.17% |
| Cost of funds | 2.23% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 121.44% |
| Core deposits to total deposits | 91.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 71.94% |
| Securities to assets | 1.54% |
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 | — | — | — | 9.51% | 0.21% |
| Q4 2023 | — | — | — | 9.30% | 0.02% |
| Q1 2024 | — | — | — | 9.13% | 0.11% |
| Q2 2024 | — | — | — | 8.99% | 0.17% |
| Q3 2024 | 13.70% | 13.70% | 14.89% | 8.88% | 0.12% |
| Q4 2024 | 13.50% | 13.50% | 14.67% | 8.78% | 0.12% |
| Q1 2025 | 13.42% | 13.42% | 14.58% | 8.70% | 0.39% |
| Q2 2025 | 13.24% | 13.24% | 14.37% | 8.62% | 0.48% |
| Q3 2025 | 13.94% | 13.94% | 15.12% | 8.75% | 0.45% |
| Q4 2025 | 13.01% | 13.01% | 14.11% | 8.85% | 0.26% |
| Q1 2026 | 14.29% | 14.29% | 15.49% | 8.91% | 0.54% |
| Q2 2026 | 14.26% | 14.26% | 15.44% | 8.99% | 0.83% |
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 30889) · FFIEC NIC profile (RSSD 943273)