BlastPoint's Banking Scorecard
Peoples Savings and Loan Company
Micro
Specialty: Other
OH
FDIC cert 29813
Designations: ✓ Community bank ✓ Mutual
Bucyrus, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Peoples Savings and Loan Company faces 4 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.90% below tier
- - Net Interest Margin 1.26% below tier
- - Efficiency Ratio 24.66% above tier
- - Non-Interest-Bearing Deposit Share 14.24% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$156.4M
+0.6% YoY
-0.5% QoQ
|
-$61.1M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$71.1M
+10.6% YoY
+2.6% QoQ
|
-$68.1M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
29% |
| Total Deposits ? |
$125.8M
+0.4% YoY
-0.6% QoQ
|
-$57.8M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
38% |
| Return on Assets ? |
0.19%
+7.3% YoY
+55.2% QoQ
|
-0.90% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 10% in tier |
| Net Interest Margin ? |
2.60%
+1.3% YoY
+2.2% QoQ
|
-1.26% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 7% in tier |
| Efficiency Ratio ? |
92.39%
-0.1% YoY
-2.4% QoQ
|
+24.66% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
2.12%
+8.7% YoY
+11.9% QoQ
|
+1.48% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 12% in tier |
| Loan-to-Deposit Ratio ? |
56.49%
+10.1% YoY
+3.3% QoQ
|
-18.03% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
8.15%
-8.9% YoY
+0.5% QoQ
|
-14.24% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 9% in tier |
| Nonperforming Asset Ratio ? |
0.96%
+19.4% YoY
+15.4% QoQ
|
+0.51% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
20% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.24%
-1.7% YoY
+33.0% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (4)
Return on Assets
metric
Bottom 10%
in Micro
Why this stands out
Current:
0.19%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 7%
in Micro
Why this stands out
Current:
2.60%
(Tier avg: 3.85%, National avg: 3.75%)
Efficiency Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
92.39%
(Tier avg: 67.73%, National avg: 65.09%)
Non-Interest-Bearing Deposit Share
metric
Bottom 9%
in Micro
Why this stands out
Current:
8.15%
(Tier avg: 22.39%, National avg: 21.79%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
40
40th pctile
Total Assets
Current: $156.4M · Tier avg: $217.5M
38
38th pctile
Total Deposits
Current: $125.8M · Tier avg: $183.7M
29
29th pctile
Total Loans
Current: $71.1M · Tier avg: $139.2M
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.49% · Tier avg: 74.53%
12
12th pctile
Delinquency Rate
Current: 2.12% · Tier avg: 0.64%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.15% · Tier avg: 22.39%
8
8th pctile
Efficiency Ratio
Current: 92.39% · Tier avg: 67.73%
7
7th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.85%
Top Weaknesses
7
7th pctile
Net Interest Margin
Current: 2.60% · Tier avg: 3.85%
8
8th pctile
Efficiency Ratio
Current: 92.39% · Tier avg: 67.73%
9
9th pctile
Non-Interest-Bearing Deposit Share
Current: 8.15% · Tier avg: 22.39%
10
10th pctile
Return on Assets
Current: 0.19% · Tier avg: 1.08%
12
12th pctile
Delinquency Rate
Current: 2.12% · Tier avg: 0.64%
20
20th pctile
Loan-to-Deposit Ratio
Current: 56.49% · Tier avg: 74.53%
20
20th pctile
Nonperforming Asset Ratio
Current: 0.96% · Tier avg: 0.45%
29
29th pctile
Non-Interest Income / Assets
Current: 0.24% · Tier avg: 0.56%
29
29th pctile
Total Loans
Current: $71.1M · Tier avg: $139.2M
38
38th pctile
Total Deposits
Current: $125.8M · Tier avg: $183.7M
40
40th pctile
Total Assets
Current: $156.4M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%