Sign in

PFSB on OTC

PFS Bancorp, Inc.

PFS Bancorp, Inc. is a savings institutions company based in Peru, listed on OTC (PFSB).1

Price unavailable

Last updated Oct 21, 2026.

Overview

Compare with another stock.

  • TickerPFSB on OTC1
  • IndustrySavings Institutions, Not Federally Chartered1
  • HeadquartersPeru, Illinois1
  • Business address1730 Fourth Street, Peru, Il 613542
  • Filer categoryNon-accelerated filer, Smaller reporting company, Emerging growth company2

See how the biggest companies compare on our leaderboards

These forward-looking statements are based on our current beliefs and expectations and are inherently subject to significant business, economic and competitive uncertainties and contingencies, many of which are beyond our control. In addition, these forward-looking statements are subject to assumptions with respect to future business strategies and decisions that are subject to change. Except as may be required by applicable law or regulation, we are under no duty to and do not take any obligation to update any forward-looking statements after the date of this annual report.3 From its latest annual report

Financials

From the company’s reports to the SEC. Every number links to the filing it came from.

What sells

Revenue by product, business segment and region, as the company reports it to the SEC.

Products and services

Customer Service Fees brought in 93% of the revenue PFS Bancorp, Inc. broke down this way in fiscal 2025.

  1. Customer Service Fees$448.0K493%up 3% from 2024
  2. Commission Income$33.0K47%down 13% from 2024
Products and services by year
Products and services20242025
Customer Service Fees$435.0K$448.0K
Commission Income$38.0K$33.0K

Financial statements

Net income564$1.7M in 2025+101% since 2022
0$500.0K$1.0M$1.5M$2.0M2022: $831.0K$831.0K20222023: $1.0M$1.0M2023+21%2024: $905.0K$905.0K2024−10%2025: $1.7M$1.7M2025+85%

Every line of the income statement as filed: the last 2 fiscal years, latest first.4

Period ending2025-12-312024-12-31
Loans, including fees$5.8M$4.7M
Taxable$1.7M$1.6M
Tax-exempt$532.0K$549.0K
Dividends$19.0K$21.0K
Other$855.0K$1.1M
Total interest and dividend income$8.9M$8.0M
Deposits$3.3M$3.0M
Net Interest Income$5.6M$5.0M
Provision for Credit Losses$148.0K$165.0K
Net Interest Income After Provision for Credit Losses$5.5M$4.9M
Net realized gain on loan sales$6.0K$7.0K
Loan servicing fees$58.0K$65.0K
Other$383.0K$340.0K
Total noninterest income$928.0K$885.0K
Salaries and employee benefits$2.5M$2.3M
Occupancy$327.0K$279.0K
Depreciation$130.0K$151.0K
Data processing$453.0K$545.0K
Professional fees$398.0K$383.0K
Marketing$145.0K$142.0K
Printing and office supplies$70.0K$67.0K
Deposit insurance premiums$156.0K$171.0K
Other$182.0K$575.0K
Total noninterest expense$4.3M$4.6M
Income Before Income Taxes$2.1M$1.1M
Provision for Income Taxes$405.0K$202.0K
Net Income$1.7M$905.0K
Earning per share (basic) (in dollar per share)$1.10$0.57
Weighted-average shares outstanding (basic) (in shares)1.5M shares1.6M shares
Earning per share (diluted) (in dollar per share)$1.09$0.57
Weighted-average shares outstanding (diluted) (in shares)1.5M shares1.6M shares

Compare PFS Bancorp, Inc. with another company

Corporate structure

PFS Bancorp, Inc. sits at the top of its group. 1 entity on record. Switch between the flow chart and the network, and select any entity to see its details.

Major holders of PFS Bancorp, Inc.

  • PFS Bancorp, Inc. Peru, Illinois

Built from major holders from Schedules 13D and 13G. Each entity in the chart links to its source.

What it owns

What PFS Bancorp, Inc. reports owning in its annual reports to the SEC: buildings, land and equipment, real estate and locations, investments, intangible assets and inventory, at the end of its latest fiscal year and a year before.

Property and equipment

ItemLatestA year beforeChange
Property and equipment, before depreciation$4.9M4 Dec 31, 2025$4.9M4 Dec 31, 2024+0.4%
Accumulated depreciation$2.9M4 Dec 31, 2025$2.8M4 Dec 31, 2024+4.6%
Property and equipment, net$2.0M4 Dec 31, 2025$2.1M4 Dec 31, 2024−5.2%

Investments

ItemLatestA year beforeChange
Loans, net of allowance$108.9M4 Dec 31, 2025$96.3M4 Dec 31, 2024+13.1%
Deposits held (banks)$166.5M4 Dec 31, 2025$159.6M4 Dec 31, 2024+4.3%

Properties, in its own words

At December 31, 2025, the net book value of our properties (including furniture, fixtures, improvements, and equipment) was $2.1 million. We operate from our main office located at 1730 Fourth Street, Peru, Illinois (approximately 9,405 square feet – 5,090 square feet on main floor and 4,315 square feet in basement), and a branch office located at 914 Shooting Park Road, Peru, Illinois (approximately 1,936 square feet), both of which we own. Each location has an ATM and a drive-thru. We believe that our current facility is adequate to meet our present and foreseeable needs. We currently do not have any plans or understandings to expand our office network

Item 2 of the 10-K filed Mar 25, 2026.3

Leadership

Who has led PFS Bancorp, Inc., and when. Pick a name to see everywhere that person has worked.

Chief executive

  1. Eric J. Heagy2023–now

President

  1. Eric J. Heagy2023–now

Chief financial officer

  1. Eric J. Heagy2023–now

Chief operating officer

  1. Dale R. Tieman2023–now
2025
Board members and other officers (6)

Timeline

  1. May 21, 20268-K Shareholder vote15
  2. Dec 3, 20258-K Other events16
  3. Jun 2, 20258-K Shareholder vote17
  4. Dec 5, 20248-K Other events18
  5. May 24, 20248-K Shareholder vote19
  6. Oct 17, 2023New chief executive Eric J. Heagy becomes CEO9
  7. Oct 17, 20238-K Other events20
  8. Oct 16, 20238-K Other events21
  9. Aug 21, 20238-K Other events22
  10. Aug 14, 20238-K Entered a material agreement23

Filings

59 filings to the SEC since October 2021: 3 annual reports, 10 quarterly reports, 9 major events, 14 insider forms, 5 large holders, 18 other. The latest 20:

  1. Aug 28, 2026SCHEDULE 13G EDGAR
  2. Aug 5, 202610-Q EDGAR
  3. May 21, 20268-K EDGAR
  4. May 6, 202610-Q EDGAR
  5. Apr 16, 2026DEF 14A EDGAR
  6. Apr 7, 2026SCHEDULE 13G EDGAR
  7. Mar 25, 202610-K EDGAR
  8. Feb 9, 2026SCHEDULE 13G/A EDGAR
  9. Dec 3, 20258-K EDGAR
  10. Nov 6, 202510-Q EDGAR
  11. Aug 8, 202510-Q EDGAR
  12. Jun 17, 20254 EDGAR
  13. Jun 17, 20254 EDGAR
  14. Jun 17, 20254 EDGAR
  15. Jun 2, 20258-K EDGAR
  16. May 28, 20254 EDGAR
  17. May 28, 20254 EDGAR
  18. May 28, 20254 EDGAR
  19. May 28, 20254 EDGAR
  20. May 23, 2025S-8 PFS BANCORP, INC. FORM S-8 REGISTRATION STATEMENT MAY 23, 2025 EDGAR

The 59 filings since October 2021 can be filtered by form type and year here when JavaScript is on.

Every filing from the last five years, summarized. The full record is on SEC EDGAR.

Major holders

Investors who own more than 5% of the shares must tell the SEC: a 13D if they may seek to influence the company, a 13G if they hold passively.

Executive pay

What the company paid its top executives, from the summary compensation table in its proxy statement. Total pay includes salary, bonus, stock and option awards and other pay, as the company valued them.

YearExecutiveAgeSalaryTotal pay
2025Eric J. HeagyCPA$220.0K$391.4K27
2025Dale R. Tieman$155.0K$253.1K27
2025Christopher J. Vaske$145.0K$242.1K27
2024PresidentChief Executive Officer and Chief Financial Officer$211.0K$259.9K27
2024Executive Vice PresidentChief Operations Officer and Corporate Secretary$150.0K$176.0K27
2024Senior VicePresident and Chief Lending Officer$135.0K$159.6K27

SEC filer profile

How PFS Bancorp, Inc. is registered with the Securities and Exchange Commission, from its EDGAR record and the cover page of its latest annual report.

  • Name on EDGARPFS Bancorp, Inc.1
  • CIK0001967656
  • Employer ID (EIN)92-29562653
  • Filer statusNon-accelerated filer an emerging growth company; a smaller reporting company; not a shell company3
  • Incorporated inMaryland3
  • Fiscal year endsDecember 311
  • Industry code (SIC)6036 Savings Institutions, Not Federally Chartered1
  • SEC reviewing officeOffice of Finance, Division of Corporation Finance1
  • Business address1730 Fourth Street, Peru, IL 613541
  • Phone815-223-43001
  • Shares outstanding1,546,063 as of Aug 5, 20268
  • Public float$17.9M as of Jun 30, 20253
  • AuditorWipfli LLP, Eau Claire, Wisconsin PCAOB ID 344; no auditor attestation of internal control over financial reporting3
  • On EDGAR sinceMar 10, 20231
  • Filings59 in all: 10-Q (10), 8-K (9), 3 (7), 4 (7), 10-K (3), CORRESP (3), DEF 14A (3), S-1/A (3)1
    All 19 form types

    SCHEDULE 13G (3), EFFECT (2), 424B3 (1), 8-A12G (1), DEFA14A (1), POS AM (1), S-1 (1), S-8 (1), SC 13G (1), SCHEDULE 13G/A (1), UPLOAD (1)

  • Latest filingsAnnual report (10-K) Mar 25, 2026
    Quarterly report (10-Q) Aug 5, 2026
    Proxy statement (DEF 14A) Apr 16, 2026
    Latest 8-K (8-K) May 21, 2026

Risk factors and legal proceedings

Legal proceedings

Periodically, we are involved in claims and lawsuits, such as claims to enforce liens, condemnation proceedings on properties in which we hold security interests, claims involving the making and servicing of real property loans and other issues incident to our business. At December 31, 2025, we were not a party to any pending legal proceedings that we believe would have a material adverse effect on our consolidated financial condition, results of operations or cash flows.

The opening of Item 3, Legal Proceedings.3

Sources

The numbers on this page point here. Each one links to the record it came from.

  1. 1
  2. 2
  3. 3
  4. 4
  5. 5
  6. 6
  7. 7
  8. 8
  9. 9
  10. 10
  11. 11
  12. 12
  13. 13
  14. 14
  15. 15
  16. 16
    SEC EDGAROther events
  17. 17
  18. 18
    SEC EDGAROther events
  19. 19
  20. 20
    SEC EDGAROther events
  21. 21
    SEC EDGAROther events
  22. 22
    SEC EDGAROther events
  23. 23
  24. 24
  25. 25
  26. 26
  27. 27