PFS Bancorp Inc
What Do They Do?
Offers deposit accounts and makes home, commercial and consumer loans to local households and businesses, with mobile and online banking.
10-K for FY2025, filed Mar 25, 2026Peru Federal is a federally-chartered savings bank headquartered in Peru, Illinois. We conduct our operations from our main office and a…View ↗
Our business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated…View ↗
Commercial Loans. At December 31, 2025, commercial loans totaled $5.7 million, or 5.2% of total loans. Commercial loans include both term…View ↗
Consumer Loans. At December 31, 2025, consumer loans totaled $3.7 million, or 3.4% of total loans. Our consumer loan portfolio generally…View ↗
How Do They Make Money?
The bank mainly earns interest on loans and securities, while paying interest on deposits and other funding. Depositors pay service fees when services are provided; the bank earns advisory fees over the time it provides advice, and brokerage payments generally arrive shortly after month-end.
10-K for FY2025, filed Mar 25, 2026The majority of the Company’s revenues come from interest income and other sources, including loans and securities, which are outside the…View ↗
Our results of operations depend primarily on our net interest income. Net interest income is the difference between the interest income we…View ↗
Customer service fees. The Company generates revenues through fees charged to depositors related to deposit account maintenance fees…View ↗
Commission Income. Brokerage commissions and fees primarily relate to investment advisory and brokerage activities as well as the sale of…View ↗
-
10-K for FY2025, filed Mar 25, 2026
FY2025 revenue by product or service ↗
$8.9M
-
10-K for FY2025, filed Mar 25, 2026
$8.9M ↗
| Segment | Share | Revenue | How money arrives |
|---|---|---|---|
|
Commission income
|
6.9%
FY2022: 7.1%
|
Commission income, FY2025
$33K Sources
|
|
|
Customer service fees
Usage-based
10-K for FY2025, filed Mar 25, 2026 |
93%
FY2022: 93%
|
Customer service fees, FY2025
$448K Sources
|
Usage-based |
Who Are Their Customers?
Local households and businesses deposit money and borrow from the bank, primarily for home mortgages. It originates loans through employees, advertising, existing customers, walk-ins and referrals, and also offers mobile and online banking.
10-K for FY2025, filed Mar 25, 2026Peru Federal is a federally-chartered savings bank headquartered in Peru, Illinois. We conduct our operations from our main office and a…View ↗
We consider LaSalle County, located in north central Illinois, and contiguous areas of adjacent Bureau County and Putnam County, to be our…View ↗
We originate loans through employee marketing and advertising efforts, our existing customer base, walk-in customers and referrals from…View ↗
Our business consists primarily of accepting deposits from the general public and investing those deposits, together with funds generated…View ↗
Do Revenues Turn Into Profits?
Yes. It kept 19 cents of every revenue dollar as net income in FY2025 and turned 24 cents into free cash flow.
How Are They Changing?
10-Q for Q2 FY2026, filed Aug 5, 2026
Open tableView ↗
Growing. Revenue grew 86% in 3 years, from $4.8M in FY2022 to $8.9M in FY2025, about 23% a year.
Loading...
