# PEOPLES FIRST SAVINGS BANK
MASON, OH · FDIC certificate 30688 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 3 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $99.9M | |
| Deposits | $85.5M | |
| Loans and leases | $88.6M | |
| Total equity | $10.1M | |
| Loans / deposits | 102.83% (p94 of band) | 73.59% |
| Liquid assets / assets | 6.36% (p1 of band) | |
| Uninsured deposits / deposits | 20.39% (p52 of band) | 19.81% |
| Brokered deposits | 5.58% | |
| Wholesale funding | 9.58% (p84 of band) | |
| FHLB advances / assets | 4.00% | |
| Tier 1 leverage | 10.01% (p25 of band) | 11.76% |
| Unrealized securities loss / equity | -0.14% (p89 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | 0.43% (p16 of band) | 1.17% |
| Net interest margin | 3.59% (p33 of band) | 3.93% |
| Efficiency ratio | 85.10% (p86 of band) | |
| Noncurrent loans | 2.34% (p88 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 30.25% | |
| Real estate % of loans | 93% | |
| Construction % of loans | 17.50% (p50 of band) | |
| Auto loans | $14,000 (0.02% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 0.4% | |
| Employees | 15 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)
- **liquid assets <10%** (`liq_thin`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | loans exceed deposits, reserve under noncurrent |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 1 |  | reserve under noncurrent |
| 2012-03 | 2 | reserve under noncurrent |  |
| 2012-06 | 4 | wholesale funding >15%, capital falling |  |
| 2012-09 | 3 |  | capital falling |
| 2012-12 | 3 |  |  |
| 2013-03 | 3 |  |  |
| 2013-06 | 3 | capital falling | reserve under noncurrent |
| 2013-09 | 2 |  | capital falling |
| 2013-12 | 3 | reserve under noncurrent |  |
| 2014-03 | 3 |  |  |
| 2014-06 | 3 | capital falling | wholesale funding >15% |
| 2014-09 | 3 | wholesale funding >15% | capital falling |
| 2014-12 | 0 |  | loans exceed deposits, reserve under noncurrent, wholesale funding >15% |
| 2015-03 | 2 | wholesale funding >15%, capital falling |  |
| 2015-06 | 1 |  | capital falling |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 1 |  |  |
| 2016-06 | 3 | capital falling, uninsured deposits leaving |  |
| 2016-09 | 2 |  | uninsured deposits leaving |
| 2016-12 | 1 |  | capital falling |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 3 | deposits shrinking, assets shrinking |  |
| 2018-06 | 4 | loans exceed deposits, uninsured deposits leaving | wholesale funding >15% |
| 2018-09 | 3 |  | assets shrinking |
| 2018-12 | 2 |  | deposits shrinking |
| 2019-03 | 1 |  | uninsured deposits leaving |
| 2019-06 | 1 | capital falling | loans exceed deposits |
| 2019-09 | 0 |  | capital falling |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 0 |  |  |
| 2020-09 | 0 |  |  |
| 2020-12 | 2 | deposits shrinking, assets shrinking |  |
| 2021-03 | 0 |  | deposits shrinking, assets shrinking |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 1 | liquid assets <10% |  |
| 2022-03 | 1 |  |  |
| 2022-06 | 4 | loans exceed deposits, capital falling, expense ratio p90 |  |
| 2022-09 | 4 |  |  |
| 2022-12 | 5 | wholesale funding >15% |  |
| 2023-03 | 3 |  | expense ratio p90, wholesale funding >15% |
| 2023-06 | 4 | wholesale funding >15% |  |
| 2023-09 | 4 |  |  |
| 2023-12 | 3 |  | capital falling |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 4 | capital falling |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 2 |  | wholesale funding >15%, capital falling |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | reserve under noncurrent |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 3 |  |  |
| 2026-06 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-27 [The Best Savings Accounts in Ohio for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMic0FVX3lxTE10LURKMUc0SGR3Y3UwMHFKSEppUEVaQll0Q2kxdWtYYVdFLVl3VDlRUjhwMFZOOVYyNHJhRXl0RS13RzZRd2FFNHJ0MXdYTmRoSGxETlZ5cnpVbFNtcVVueXZuejhsRXd6SUo0NnhmUWlodVU?oc=5) · moneyrates.com
- 2025-02-14 [Glen "Boomer" Grau Obituary Feb 14, 2025 - muellerfunerals.com](https://news.google.com/rss/articles/CBMia0FVX3lxTE03SmtzdVpCMVJGZFcyWGs5LXQ4TlNlTmN4QmN1TWRFQ1hhZWk5dkRqTFBOZGxyUVFSckd0ZWFnNHRHTUlXWU1aQzBLWVFRQUFERFZUYU9MVUNNWTRMQ29ERF94aEJzWjhSZXp3?oc=5) · muellerfunerals.com
- 2016-03-20 [Business people on the move - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMihwFBVV95cUxNaVgwckpBX2YyalBQVS1vMkhRNHFWMVVPeXk3cHM5SlRraE9YTkJhamQ2MnpobDF3U2pQQ3RJQ0syekd5VTdBdVJpczBOaEVrNXN4Q1RnQjdDRWxWeTZOSHlqYWh2cE9uQklybjJBeTFTQ1FmY25HOWV2VVV6cS13MEYyUDlhcG8?oc=5) · Cincinnati Enquirer
- 2017-04-11 [John MAGIE Obituary (1929 - 2017) - Maineville, OH - Springfield News-Sun - Legacy obituary](https://news.google.com/rss/articles/CBMijgFBVV95cUxNaFZvTWFzM0F3c0VMMEJZU2RHcVVxUV9JLVo2OC1SZ3BZWThOUEY0UjR0VkdrOFdzSFNxaEItTk9yTUVCRFowdnJfRXNwbDU4Q0JMZm92Qmlha2E3dnZTQ0s5TGZtUkFHM0YwNG9yV2tMYzRJdk9UeThrSWgySFZzSlcweXF1UjZzVU94ZlB3?oc=5) · Legacy obituary
- 2016-01-08 [Old horse barn gives birth to new dream home - WCPO 9 Cincinnati](https://news.google.com/rss/articles/CBMitAFBVV95cUxOTFNsMVQxcnNkaFNUWWw2ZXQtNV9YWVd1UmViZHhQWU16UkwwX2hZRl9fRUpONk4tSV9JQ1hLeTNlcTFLa3BJQ2FOMHhVWE8zNFpwWVhSZ1EwQUhMMGFlbi1BODR2eE1OUW90bDNCUDFuRmhSMU1DR0dkRTRYX1dPNG1jWW5yXzNOb3RveEV3RjhIOHZUdHVpUWRmSDR1M3BweDRwRXE0WEoxNHJEWUMtR0VBbm4?oc=5) · WCPO 9 Cincinnati
- 2016-03-17 [Cincy Business People: Who’s on the move? - Cincinnati Enquirer](https://news.google.com/rss/articles/CBMikwFBVV95cUxQRWROWGVxVWplRlgyRnpYNjFpdEw4ZFdwcDVfbkR0LVY2cnYxOWFhOVdJR3ljTml6RW5aNklNNHA1QnoyZm43dklWVFgxWlRnN2NPb3RQa21jN0NXN1p1YnRlS2dnMUc4TjB2OF9rYmx1RDFuWUVoN09CYTJsT3VPU3dWdWYtWTRRS2N4VG9NRE16aFE?oc=5) · Cincinnati Enquirer

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=30688 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/32.json (key "30688", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide