THE PEOPLES SAVINGS AND LOAN COMPANY

WEST LIBERTY, OH · Supervised by FDIC

Est. 1890FDIC #30,889RSSD: FDIC-30889

Satisfactory Same

Current rating · Exam: October 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.54%

Institution Profile

FDIC BankFind

Website

www.peoplessavingsonline.com

Address

110 N Detroit St, WEST LIBERTY, OH

County

Logan County

Established

January 1, 1890

Total Assets

$111M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2020

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$111M

Total Deposits

$78M

Net Loans

$96M

Net Income

$148K

ROA

0.54%

ROE

6.10%

Risk-Based Capital

15.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$77M

1-Year Change

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

1 previous rating locked — dating back to 2014

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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