PEOPLES FIRST SAVINGS BANK

MASON, OH · Supervised by FDIC

Est. 1909FDIC #30,688RSSD: FDIC-30688

Satisfactory Same

Current rating · Exam: July 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.47%

Is this bank safe?

PEOPLES FIRST SAVINGS BANK holds a Satisfactory CRA rating (2020), meets basic financial requirements (ROA +0.47%).

Institution Profile

FDIC BankFind

Website

www.peoplesfirstohio.com

Address

225 Reading Rd, MASON, OH

County

Warren County

Established

January 1, 1909

Total Assets

$102M(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

July 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

$102M

Total Deposits

$85M

Net Loans

$88M

Net Income

$122K

ROA

0.47%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.89%

Risk-Based Capital

15.19%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.47%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.19%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate8.70%Peer avg: 6.90%▲ More than avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$85M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	23	91.3%	8.70%
2023	66	80.3%	12.12%
2022	144	89.58%	2.08%
2021	167	85.03%	2.40%
2020	208	87.98%	1.92%
2019	102	72.55%	12.75%
2018	105	66.67%	11.43%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 2020	Satisfactory	Small Bank
Jun 2014	Satisfactory	Small Bank

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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