Segment & Geographic Data
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Pfs Bancorp's Business Segments
Pfs Bancorp's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of FY
Reportable Segments
3
Largest Segment
Customer Service Fees
Total Revenue
$ 2
Regions Reported
-
Revenue Share by Reportable Segment - FY
- Customer Service Fees13.6%
- Commission Income0.6%
- Gains Losses on Sales of Foreclosed Assets0.2%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Customer Service Fees | $ 0 | 13.6% |
| Commission Income | $ 0 | 0.6% |
| Gains Losses on Sales of Foreclosed Assets | $ 0 | 0.2% |
Annual Results
Revenue Share by Reportable Segment - FY
- Customer Service Fees13.6%
- Commission Income0.6%
- Gains Losses on Sales of Foreclosed Assets0.2%
Revenue by Reportable Segment - FY
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Customer Service Fees | $ 0 | 13.6% |
| Commission Income | $ 0 | 0.6% |
| Gains Losses on Sales of Foreclosed Assets | $ 0 | 0.2% |
Description of Pfs Bancorp
PFS Bancorp, Inc., incorporated in February 2023, is the holding company for Peru Federal Savings Bank following its conversion from a mutual to a stock organization in October 2023. The company operates primarily through its wholly owned subsidiary, Peru Federal, a federally chartered savings bank headquartered in Peru, Illinois. Peru Federal conducts business from its main and branch offices in Peru, Illinois, focusing on accepting deposits and investing those funds in one- to four-family residential mortgage loans secured by properties in its primary market area, which includes LaSalle County and parts of adjacent Bureau and Putnam Counties in Illinois. The bank also originates commercial real estate loans, multi-family mortgage loans, construction and land development loans, commercial loans, home equity loans and lines of credit, and consumer loans, with a recent managed increase in higher-yielding commercial loans. It offers electronic banking services including mobile banking, online banking, bill pay, and electronic funds transfer via Zelle®. The primary source of revenue is interest income from loans and investments, with noninterest income being insignificant. Peru Federal is regulated by the Office of the Comptroller of the Currency and the FDIC and is a member of the Federal Home Loan Bank system. The bank's market area is predominantly rural, with an economy historically based on agriculture and also including healthcare, manufacturing, and services.