The Peoples Savings and Loan Company: how it compares with its peers
Against 52 OH banks with half to twice its assets, The Peoples Savings and Loan Company's strongest measure in Q2 2026 is assets per employee ($9.2M vs. a $5.5M peer median). Its weakest relative measure is net interest margin (3.02% vs. 3.71%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.69% | 0.78% | Middle third Ahead of 42% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.02% | 3.71% | Bottom third Ahead of 19% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 72.92% | 77.09% | Middle third Ahead of 62% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.2M | $5.5M | Top third Ahead of 87% of peers |
| Loans to deposits Net loans and leases over total deposits. | 120.41% | 77.40% | Context |
What it means for lending operations
Its efficiency ratio of 72.92% is better than the 77.09% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First Mutual Bank, FSB Belpre, OH · $110M
- Warsaw Federal Savings and Loan Association Cincinnati, OH · $109M
- The Bank of Magnolia Company Magnolia, OH · $108M
- The Sherwood State Bank Sherwood, OH · $108M
- Spring Valley Bank Wyoming, OH · $114M
- The National Bank of Adams County of West Union West Union, OH · $115M
Questions about The Peoples Savings and Loan Company
How big is The Peoples Savings and Loan Company?
The Peoples Savings and Loan Company, established in 1890, is headquartered in West Liberty, OH. It reported $110M in total assets in its Q2 2026 FDIC call report and operates 2 offices.
What is The Peoples Savings and Loan Company's return on assets?
0.69% annualized in Q2 2026, against a 0.78% median for 52 OH banks with half to twice its assets, ahead of 42% of them.
What is The Peoples Savings and Loan Company's efficiency ratio?
72.92% in Q2 2026: it spent about 73 cents in noninterest expense for each dollar of revenue. The peer median is 77.09%, and lower is better.
Is The Peoples Savings and Loan Company growing its loans?
Net loans shrank 1.7% over the year to Q2 2026, while deposits grew 3.2%.
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.