Peoples First Savings Bank
Mason, OH
IDRSSD: 363778
Total Assets
$102.61M
Latest filing
Total Deposits
$83.72M
Latest filing
Net Interest Margin
3.63%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Peoples First Savings Bank
225 Reading Rd
Mason, OH 45040
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1909FDIC Certificate 43522
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Peoples First Savings Bank (Main) | 225 Reading Rd | Mason, OH |
| MORROW BRANCH | 502 W Pike St | Morrow, OH |
Showing 1 of 1
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1909 |
| Community Bank | Yes |
| Ownership Type | Mutual |
| ZIP | 45040 |
| State and County Number | 39165 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 25 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Cincinnati, OH-KY-IN |
Operational Info
| Number of Employees | 13 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.peoplesfirstohio.com |
| Data Updated | 11/14/2025 |
| CERT | 30688 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $102.61M |
| Total Deposits | $83.72M |
| Total Liabilities | $92.71M |
| Total Equity Capital | $9.90M |
| Net Income | $153.00k |
| Net Loans and Leases | $89.88M |
| Assets Per Employee ($Millions) | $7.33M |
| Bank Premises and Fixed Assets | $1.75M |
| Cash and Balances due from Depository Institutions | $6.80M |
| Deposits Held in Domestic Offices | $83.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.59% |
| Return on Equity (ROE) | 6.23% |
| Net Interest Margin | 3.63% |
| Efficiency Ratio | 79.79% |
| Tier 1 Risk-Based Capital Ratio | 14.025% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.01% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.647% |
| Earning Assets to total Assets | 94.41% |
Income and Expense
| Total Interest Income | $1.51M |
| Total Noninterest Income | $76.00k |
| Total Interest Expense | $628.00k |
| Total Noninterest Expense | $766.00k |
| Net Interest Income | $884.00k |
| Pre-tax Net Operating Income | $191.00k |
| Provision for Credit Losses | $3.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $8.77M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $218.00k |
| Total Liabilities and Capital | $102.61M |
Securities
| Securities | $451.00k |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $451.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Peoples First Savings Bank?
$102.61M as of the latest filing.
How much are Peoples First Savings Bank's total deposits?
$83.72M in total deposits.
Where is Peoples First Savings Bank located?
Mason, OH.
What is the Net Interest Margin?
3.63%.
How many domestic offices does it operate?
2.
When was it established?
01/01/1909.
What is the Return on Assets (ROA)?
0.59%.
How much are total loans and leases?
$89.88M (latest filing).
What is the total interest income (latest filing)?
$1.51M.