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PFS Bancorp, Inc. operates as a bank holding company for Peru Federal Savings Bank, a federally chartered mutual savings bank that provides banking and financial products and services to individual and corporate customers in the United States. The company offers checking accounts, savings accounts, individual retirement accounts, and certificate of deposit accounts; and non-interest-bearing demand, interest-bearing demand, money market, and time deposits. It also provides one- to four-family residential mortgage loans, multi-family real estate loans, commercial real estate loans, agricultural real estate loans, construction and land development loans, commercial loans, home equity loans and lines of credit, and consumer loans. In addition, the company offers electronic banking services, including mobile banking, on-line banking, bill pay, and electronic funds transfer services via Zelle. PFS Bancorp, Inc. was founded in 1887 and is based in Peru, Illinois.