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PFS Bancorp Inc
1730 Fourth Street
Phone: (815) 223-4300p:815 223-4300 Peru, IL  61354  United States Ticker: PFSBPFSB
Business Summary
PFS Bancorp, Inc. is a holding company for Peru Federal Savings Bank (the Bank). The Bank is a federally chartered mutual savings bank. The Bank is primarily engaged in accepting deposits from the public and investing those deposits, together with funds generated from operations, in one- to-four-family residential mortgage loans secured by properties. It also offers commercial real estate loans, multifamily mortgage loans, construction and land development loans, commercial loans, home equity loans and lines of credit, and consumer loans. In addition, the Bank offers electronic banking services, including mobile banking, online banking and bill pay, and electronic funds transfer via Zelle. The Bank offers a variety of deposit accounts, including checking accounts, savings accounts and certificate of deposit accounts. The Bank also offers financial services, offering an array of investment products and services, including stocks, bonds, mutual funds and insurance products, among others.

Scores and Ratings
FRISK®
Score		 Z''
Score		 PAYCE®
Score		 DBT
Index		 Moody's
Rating		 Fitch
Rating		 DBRS
Rating
Yes--Yes---

Financials, News and Filings
Latest
Statement		 Last
Audit
News		 SEC
Filings		 Bankruptcy
Filings		 Suit &
Judgment
Filings		 Tax
Lien
Filings
12/31/202412/31/2024YesYes---

Industries
SIC Code Description
6035 Savings institutions, federally chartered
6712 Offices of bank holding companies

Officers and Directors

Title
Name
Age		 Title
Date		 Start
Date
Independent Chairman of the Board Michael J.Rooney 68 1/1/1995
President, Chief Executive Officer, Chief Financial Officer, Director Eric J.Heagy 49 1/1/2023 1/1/2008
Independent Vice Chairman of the Board Jonathan F.Brandt 65 1/1/2007
4 additional Officers and Directors records available in full report.

Business Names
Business Name
Peru Federal Savings Bank
PFSB

General Information
Number of Employees: 24 (As of 12/31/2024)
Outstanding Shares: 1,660,265 (As of 3/28/2025)
Shareholders: 210
Stock Exchange: OTC


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Friday, April 18, 2025