Peoples First Savings Bank: how it compares with its peers
Against 52 OH banks with half to twice its assets, Peoples First Savings Bank's strongest measure in Q2 2026 is assets per employee ($6.7M vs. a $5.6M peer median). Its weakest relative measure is return on assets (0.43% vs. 0.77%).
| Measure | Peoples First Savings Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.43% | 0.77% | Bottom third Ahead of 23% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.59% | 3.66% | Middle third Ahead of 46% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 85.10% | 77.09% | Bottom third Ahead of 25% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $6.7M | $5.6M | Middle third Ahead of 65% of peers |
| Loans to deposits Net loans and leases over total deposits. | 102.83% | 77.79% | Context |
What it means for lending operations
Its efficiency ratio of 85.10% is above the 77.09% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Bank419 Metamora, OH · $98M
- The Citizens National Bank of McConnelsville Mcconnelsville, OH · $102M
- The First Central National Bank of St. Paris St. Paris, OH · $97M
- The First National Bank of Germantown Germantown, OH · $96M
- The Corn City State Bank Deshler, OH · $104M
- Home National Bank Racine, OH · $95M
Questions about Peoples First Savings Bank
How big is Peoples First Savings Bank?
Peoples First Savings Bank, established in 1909, is headquartered in Mason, OH. It reported $100M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is Peoples First Savings Bank's return on assets?
0.43% annualized in Q2 2026, against a 0.77% median for 52 OH banks with half to twice its assets, ahead of 23% of them.
What is Peoples First Savings Bank's efficiency ratio?
85.10% in Q2 2026: it spent about 85 cents in noninterest expense for each dollar of revenue. The peer median is 77.09%, and lower is better.
Is Peoples First Savings Bank growing its loans?
Net loans shrank 3.7% over the year to Q2 2026, while deposits grew 0.4%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.