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.
FDIC Call Report plate
Cert 30889 · OH C · 62/100
GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL
- GRADE-C C (62/100)
- LOWER-Q #3715/4307
- PHOTO-FINISH Jarrettsville Federa… · MD
- TIER1-WELL 13.0% Tier 1
- TEXAS-CLEAN 1.3% Texas
- ROA-THIN 0.40% ROA
- SIZE-MID $100M–1B
- BOOK-FULL 9/9 fields
Nearest health peer outside Ohio: Jarrettsville Federal Savings and Loan Association, MD (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around The Peoples Savings and Loan Company
Lowest and highest poles plus nearest scored peers outside Ohio, not a full FDIC corpus board reprint.
Call Report read for The Peoples Savings and Loan Company in a high-failure state
The Peoples Savings and Loan Company (FDIC Cert #30889) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,715 of 4,307. Tier 1 capital prints at 13.01%, clearing the 10% well-capitalized line. The Texas Ratio is 1.31%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $108M, 3,680th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Jarrettsville Federal Savings and Loan Association (MD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around The Peoples Savings and Loan Company
9 FAILURE resolutions in Ohio since 2000, heavy vs the state corpus
The Peoples Savings and Loan Company sits in one of the heavier post-2000 FAILURE states (9 resolutions; latest year 2019). The list below is state history from the Failed Bank List, not a claim about The Peoples Savings and Loan Company's current Call Report.
- RESOLUTE BANK MAUMEE, OH 2019 → BUCKEYE STATE BANK
- COLUMBIA SAVINGS BANK CINCINNATI, OH 2014 → UNITED FIDELITY BANK, FSB
- BRAMBLE SAVINGS BANK MILFORD, OH 2010 → FOUNDATION BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Ohio banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
62 14th percentile higher than 14% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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.
Capital & credit buffers at The Peoples Savings and Loan Company
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: The Peoples Savings and Loan Company
Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
4.52%
Efficiency Ratio
81.52%
Income & expense at The Peoples Savings and Loan Company
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($108M here), outside Ohio so the neighborhood is not state containment.
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.
The Peoples Savings and Loan Company Call Report profile · FDIC Failed Bank List · Ohio FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |