Company Overview

CORPORATE PROFILE

PFS Bancorp, Inc. (the “Company”) is a Maryland corporation and the holding company for Peru Federal Savings Bank, a federally- chartered savings bank. The Bank is primarily engaged in providing a full range of banking and financial services to individual and corporate customers in northern Illinois, primarily LaSalle County, from its two facilities located in Peru, Illinois. The Bank’s principal lending activity is the origination of residential and commercial real estate loans, commercial loans, and consumer loans. The Company operates through three segments: Residential 1-4 Family, Commercial, and Construction and Land Development. The Bank offers a selection of deposit accounts, including savings accounts, checking accounts, certificates of deposit and individual retirement accounts. It offers electronic banking services, including mobile banking, online banking and bill pay, and electronic funds transfer via Zelle.

OUR MISSION

“To meet the financial needs of each individual, to grow from exceptional customer service focused on relationships and personalized attention, and to be the community bank that continues to serve generations in the Illinois Valley. “