PFS Bancorp (PFSB) employee stock plan holds 8.6% ownership

Rhea-AI Filing Summary

PFS Bancorp, Inc. received an amended Schedule 13G from the Peru Federal Savings Bank Employee Stock Ownership Plan Trust, reporting a significant ownership position in its common stock. The trust beneficially owns 138,000 shares, representing 8.6% of the outstanding common stock.

The trust has sole voting power over 121,440 shares and shared voting power over 16,560 shares, with sole dispositive power over all 138,000 shares. The filing states that the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of PFS Bancorp.

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

(Amendment No. 1)

PFS Bancorp, Inc.

(Name of Issuer)

Common Stock, par value $0.01 per share

(Title of Class of Securities)

69380A102

(CUSIP Number)

12/31/2025

(Date of Event Which Requires Filing of this Statement)

Check the appropriate box to designate the rule pursuant to which this Schedule is filed:

Rule 13d-1(b)

Rule 13d-1(c)

Rule 13d-1(d)

SCHEDULE 13G

CUSIP No. 69380A102

1

Names of Reporting Persons

Peru Federal Savings Bank Employee Stock Ownership Plan Trust

2

Check the appropriate box if a member of a Group (see instructions)

(a)
(b)

3

Sec Use Only

4

Citizenship or Place of Organization

ILLINOIS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 121,440.00
6	Shared Voting Power 16,560.00
7	Sole Dispositive Power 138,000.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

138,000.00

10

Check box if the aggregate amount in row (9) excludes certain shares (See Instructions)

11

Percent of class represented by amount in row (9)

8.6 %

12

Type of Reporting Person (See Instructions)

EP

SCHEDULE 13G

Item 1.
(a)	Name of issuer: PFS Bancorp, Inc.
(b)	Address of issuer's principal executive offices: 1730 Fourth Street, Peru, Illinois, 61354
Item 2.
(a)	Name of person filing: Peru Federal Savings Bank, Employee Stock Ownership Plan Trust, Trustee: Community Bank of Pleasant Hill, dba First Trust of MidAmerica
(b)	Address or principal business office or, if none, residence: 3500 N Village Dr. Suite 220, St. Joseph, Missouri 64506
(c)	Citizenship: Illinois
(d)	Title of class of securities: Common Stock, par value $0.01 per share
(e)	CUSIP No.: 69380A102
Item 3.	If this statement is filed pursuant to §§ 240.13d-1(b) or 240.13d-2(b) or (c), check whether the person filing is a:
(a)	Broker or dealer registered under section 15 of the Act (15 U.S.C. 78o);
(b)	Bank as defined in section 3(a)(6) of the Act (15 U.S.C. 78c);
(c)	Insurance company as defined in section 3(a)(19) of the Act (15 U.S.C. 78c);
(d)	Investment company registered under section 8 of the Investment Company Act of 1940 (15 U.S.C. 80a-8);
(e)	An investment adviser in accordance with § 240.13d-1(b)(1)(ii)(E);
(f)	An employee benefit plan or endowment fund in accordance with § 240.13d-1(b)(1)(ii)(F);
(g)	A parent holding company or control person in accordance with § 240.13d-1(b)(1)(ii)(G);
(h)	A savings associations as defined in Section 3(b) of the Federal Deposit Insurance Act (12 U.S.C. 1813);
(i)	A church plan that is excluded from the definition of an investment company under section 3(c)(14) of the Investment Company Act of 1940 (15 U.S.C. 80a-3);
(j)	A non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J). If filing as a non-U.S. institution in accordance with § 240.13d-1(b)(1)(ii)(J), please specify the type of institution:
(k)	Group, in accordance with Rule 240.13d-1(b)(1)(ii)(K).
Item 4.	Ownership
(a)	Amount beneficially owned: 138,000
(b)	Percent of class: 8.6%
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: 121,440
	(ii) Shared power to vote or to direct the vote: 16,560
	(iii) Sole power to dispose or to direct the disposition of: 138,000
	(iv) Shared power to dispose or to direct the disposition of: 0
Item 5.	Ownership of 5 Percent or Less of a Class.
	Not Applicable
Item 6.	Ownership of more than 5 Percent on Behalf of Another Person.
	Not Applicable
Item 7.	Identification and Classification of the Subsidiary Which Acquired the Security Being Reported on by the Parent Holding Company or Control Person.
	Not Applicable
Item 8.	Identification and Classification of Members of the Group.
	Not Applicable
Item 9.	Notice of Dissolution of Group.
	Not Applicable

Item 10.

Certifications:

By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were acquired and are held in the ordinary course of business and were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.

SIGNATURE

After reasonable inquiry and to the best of my knowledge and belief, I certify that the information set forth in this statement is true, complete and correct.

Peru Federal Savings Bank Employee Stock Ownership Plan Trust

Signature:	/s/ Gerald Lau
Name/Title:	Gerald Lau, SVP, Community Bank of Pleasant Hill dba First Trust of MidAmerica, as Trustee
Date:	02/05/2026

FAQ

What ownership stake does the ESOP trust report in PFSB?

The Peru Federal Savings Bank Employee Stock Ownership Plan Trust reports beneficial ownership of 138,000 shares of PFS Bancorp common stock, representing 8.6% of the class. This reflects a sizable employee benefit plan stake in the company’s equity.

Who is the reporting person in this PFSB Schedule 13G/A filing?

The reporting person is the Peru Federal Savings Bank Employee Stock Ownership Plan Trust, with Community Bank of Pleasant Hill dba First Trust of MidAmerica acting as trustee. The trust is an Illinois entity holding PFS Bancorp common stock for employee benefit purposes.

How much voting power does the ESOP trust have in PFS Bancorp?

The ESOP trust reports sole voting power over 121,440 shares and shared voting power over 16,560 shares of PFS Bancorp common stock. Combined, these voting rights cover the full 138,000 shares it beneficially owns.

Does the ESOP trust intend to influence control of PFS Bancorp (PFSB)?

The filing states the securities were acquired and are held in the ordinary course of business and not for the purpose of changing or influencing control of PFS Bancorp. It also notes they are not held in connection with any such control-related transaction.

What type of SEC filing is this for PFS Bancorp (PFSB)?

This is an amended Schedule 13G/A, used to report beneficial ownership of more than 5% of a class of equity securities. It updates ownership information for the ESOP trust’s holdings of PFS Bancorp common stock as of 12/31/2025.

Who signed the Schedule 13G/A for PFS Bancorp’s ESOP trust?

The filing is signed by Gerald Lau, SVP of Community Bank of Pleasant Hill dba First Trust of MidAmerica, acting as trustee for the Employee Stock Ownership Plan Trust. The signature date disclosed is 02/05/2026.