BlastPoint's Banking Scorecard
Peoples First Savings Bank
Micro
Specialty: Mortgage
OH
FDIC cert 30688
Designations: ✓ Community bank ✓ Mutual
Mason, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Peoples First Savings Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 29.35% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$105.3M
+0.4% YoY
+2.6% QoQ
|
-$112.2M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
24% |
| Total Loans ? |
$89.6M
-2.9% YoY
-0.3% QoQ
|
-$49.6M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
39% |
| Total Deposits ? |
$86.2M
+3.1% YoY
+3.0% QoQ
|
-$97.4M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.45%
+51.1% YoY
-22.6% QoQ
|
-0.63% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.54%
+12.9% YoY
+0.5% QoQ
|
-0.31% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
36% |
| Efficiency Ratio ? |
84.09%
-4.7% YoY
+5.5% QoQ
|
+16.37% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 14% in tier |
| Delinquency Rate ? |
0.71%
+62.8% YoY
+0.3% QoQ
|
+0.07% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
103.87%
-5.8% YoY
-3.2% QoQ
|
+29.35% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 6% in tier |
| Non-Interest-Bearing Deposit Share ? |
10.24%
-19.0% YoY
+0.2% QoQ
|
-12.16% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 12% in tier |
| Nonperforming Asset Ratio ? |
0.61%
+57.5% YoY
-2.6% QoQ
|
+0.15% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
32% |
| Tier 1 Capital Ratio ? |
14.03%
+5.0% YoY
+0.0% QoQ
|
+5.18% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
68% |
| Non-Interest Income / Assets ? |
0.31%
-2.2% YoY
+27.7% QoQ
|
-0.25% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
42% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
103.87%
(Tier avg: 74.53%, National avg: 78.04%)
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
68
68th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 8.85%
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
39
39th pctile
Total Loans
Current: $89.6M · Tier avg: $139.2M
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $86.2M · Tier avg: $183.7M
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
14
14th pctile
Efficiency Ratio
Current: 84.09% · Tier avg: 67.73%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.24% · Tier avg: 22.39%
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.87% · Tier avg: 74.53%
Top Weaknesses
6
6th pctile
Loan-to-Deposit Ratio
Current: 103.87% · Tier avg: 74.53%
12
12th pctile
Non-Interest-Bearing Deposit Share
Current: 10.24% · Tier avg: 22.39%
14
14th pctile
Efficiency Ratio
Current: 84.09% · Tier avg: 67.73%
17
17th pctile
Return on Assets
Current: 0.45% · Tier avg: 1.08%
24
24th pctile
Total Deposits
Current: $86.2M · Tier avg: $183.7M
24
24th pctile
Total Assets
Current: $105.3M · Tier avg: $217.5M
32
32th pctile
Nonperforming Asset Ratio
Current: 0.61% · Tier avg: 0.45%
36
36th pctile
Net Interest Margin
Current: 3.54% · Tier avg: 3.85%
37
37th pctile
Delinquency Rate
Current: 0.71% · Tier avg: 0.64%
39
39th pctile
Total Loans
Current: $89.6M · Tier avg: $139.2M
42
42th pctile
Non-Interest Income / Assets
Current: 0.31% · Tier avg: 0.56%
68
68th pctile
Tier 1 Capital Ratio
Current: 14.03% · Tier avg: 8.85%