BlastPoint's Banking Scorecard
The Peoples Savings and Loan Company
Micro
Specialty: Mortgage
OH
FDIC cert 30889
Designations: ✓ Community bank ✓ Mutual
West Liberty, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Peoples Savings and Loan Company faces 2 concerns 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 49.66% above tier
- - Non-Interest Income / Assets 0.48% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$107.6M
+3.9% YoY
+1.1% QoQ
|
-$109.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
25% |
| Total Loans ? |
$96.2M
+3.1% YoY
+2.0% QoQ
|
-$43.0M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
42% |
| Total Deposits ? |
$77.5M
+7.4% YoY
+1.7% QoQ
|
-$106.2M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
21% |
| Return on Assets ? |
0.40%
+201.3% YoY
-10.5% QoQ
|
-0.69% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 15% in tier |
| Net Interest Margin ? |
2.80%
+20.9% YoY
+1.3% QoQ
|
-1.06% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Bottom 10% in tier |
| Efficiency Ratio ? |
81.52%
-12.8% YoY
+2.7% QoQ
|
+13.79% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
19% |
| Delinquency Rate ? | 0.14% | -0.50% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
67% |
| Loan-to-Deposit Ratio ? |
124.19%
-4.0% YoY
+0.3% QoQ
|
+49.66% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 1% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.46%
+10.6% YoY
+16.4% QoQ
|
-6.93% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? | 0.13% | -0.32% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
64% |
| Tier 1 Capital Ratio ? |
13.01%
-3.7% YoY
-6.7% QoQ
|
+4.16% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
64% |
| Non-Interest Income / Assets ? |
0.08%
-10.7% YoY
+25.7% QoQ
|
-0.48% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Loan-to-Deposit Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
124.19%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest Income / Assets
metric
Bottom 6%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 0.56%, National avg: 0.65%)
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
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
64
64th pctile
Tier 1 Capital Ratio
Current: 13.01% · Tier avg: 8.85%
42
42th pctile
Total Loans
Current: $96.2M · Tier avg: $139.2M
25
25th pctile
Total Assets
Current: $107.6M · Tier avg: $217.5M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.46% · Tier avg: 22.39%
21
21th pctile
Total Deposits
Current: $77.5M · Tier avg: $183.7M
19
19th pctile
Efficiency Ratio
Current: 81.52% · Tier avg: 67.73%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
10
10th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.85%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
1
1th pctile
Loan-to-Deposit Ratio
Current: 124.19% · Tier avg: 74.53%
Top Weaknesses
1
1th pctile
Loan-to-Deposit Ratio
Current: 124.19% · Tier avg: 74.53%
6
6th pctile
Non-Interest Income / Assets
Current: 0.08% · Tier avg: 0.56%
10
10th pctile
Net Interest Margin
Current: 2.80% · Tier avg: 3.85%
15
15th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.08%
19
19th pctile
Efficiency Ratio
Current: 81.52% · Tier avg: 67.73%
21
21th pctile
Total Deposits
Current: $77.5M · Tier avg: $183.7M
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 15.46% · Tier avg: 22.39%
25
25th pctile
Total Assets
Current: $107.6M · Tier avg: $217.5M
42
42th pctile
Total Loans
Current: $96.2M · Tier avg: $139.2M
64
64th pctile
Tier 1 Capital Ratio
Current: 13.01% · Tier avg: 8.85%
64
64th pctile
Nonperforming Asset Ratio
Current: 0.13% · Tier avg: 0.45%
67
67th pctile
Delinquency Rate
Current: 0.14% · Tier avg: 0.64%