Total Assets
$108M
Total balance-sheet footings
FDIC Cert #30889 · West Liberty, Ohio · Est. 1890
The Peoples Savings and Loan Company - FDIC Bank Health Profile
A community-scale look at The Peoples Savings and Loan Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $108M
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 13.0%
- Tier 1 capital
Data updated July 2026
The verdict
The Peoples Savings and Loan Company earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.01% Tier 1, 0.40% ROA, 82% efficiency ratio.
- #3,680
- largest of 4,313 FDIC banks by assets
- 15th
- percentile by asset size, nationally
- 13.01%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How The Peoples Savings and Loan Company's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Peoples Savings and Loan Company's composite health score
Tier 1 Capital Ratio (13.01%) 35/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (1.31%) 20/20
Efficiency Ratio (81.52%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$77M
Customer-funded liabilities
Net Loans
$96M
Outstanding loan book
Net Income
$425K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Peoples Savings and Loan Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Peoples Savings and Loan Company's score of 62/100 falls in the highlighted band.
The Peoples Savings and Loan Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Peoples Savings and Loan Company's $108M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.01% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.01%
Texas Ratio
1.31%
Equity Capital
$10M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
4.52%
Efficiency Ratio
81.52%
What the numbers say about The Peoples Savings and Loan Company
The Peoples Savings and Loan Company is an FDIC-insured institution (Certificate #30889) headquartered in West Liberty, Ohio, established in 1890. It holds $108M in total assets - 3,680th of 4,313 FDIC-insured banks, $77M in customer deposits, and $96M in net loans. Its capital position: a Tier 1 ratio of 13.01%, meeting the 10% federal well-capitalized bar, alongside a Texas Ratio of 1.31% that is well inside the healthy sub-50% band. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Peoples Savings and Loan Company is a community-scale institution -- 126th of 158 FDIC-insured banks headquartered in Ohio by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$5M
Interest Income
$89K
Non-Interest Income
$2M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Peoples Savings and Loan Company reports a Texas Ratio of 1.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Peoples Savings and Loan Company (FDIC Cert #30889) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Peoples Savings and Loan Company's health grade?▼
The Peoples Savings and Loan Company receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is The Peoples Savings and Loan Company?▼
The Peoples Savings and Loan Company holds $108M in total assets and $77M in deposits, ranking 3,680th of 4,313 FDIC-insured banks by asset size. It is headquartered in West Liberty, Ohio.
Is my money safe at The Peoples Savings and Loan Company?▼
Yes, deposits at The Peoples Savings and Loan Company (Certificate #30889) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Peoples Savings and Loan Company's Tier 1 Capital Ratio?▼
The Peoples Savings and Loan Company has a Tier 1 Capital Ratio of 13.01%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Peoples Savings and Loan Company?▼
The Peoples Savings and Loan Company has a Texas Ratio of 1.31%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Peoples Savings and Loan Company?▼
The Peoples Savings and Loan Company has an Efficiency Ratio of 81.52%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Peoples Savings and Loan Company's profile as a depositor or analyst.
- The Peoples Savings and Loan Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Peoples Savings and Loan Company against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.