PFS Bancorp (PFSB) holder reports 9% stake with no votes

Rhea-AI Filing Summary

PFS Bancorp, Inc. (PFSB) has a significant shareholder reporting on a Schedule 13G. WhiteRock Wealth Design LLC disclosed beneficial ownership of 138,972 shares of PFS Bancorp common stock, representing 9% of the class. WhiteRock reports sole dispositive power over all 138,972 shares but no sole or shared voting power over any shares.

Key Figures

Shares beneficially owned: 138,972 shares Percent of class: 9% Sole voting power: 0 shares +3 more

6 metrics

Shares beneficially owned 138,972 shares Beneficial ownership of PFS Bancorp, Inc. common stock reported by WhiteRock Wealth Design LLC

Percent of class 9% Portion of PFS Bancorp, Inc. common stock class beneficially owned by WhiteRock Wealth Design LLC

Sole voting power 0 shares Shares of PFS Bancorp, Inc. for which WhiteRock Wealth Design LLC has sole power to vote

Shared voting power 0 shares Shares of PFS Bancorp, Inc. for which WhiteRock Wealth Design LLC has shared power to vote

Sole dispositive power 138,972 shares Shares of PFS Bancorp, Inc. for which WhiteRock Wealth Design LLC has sole power to dispose

Shared dispositive power 0 shares Shares of PFS Bancorp, Inc. for which WhiteRock Wealth Design LLC has shared power to dispose

Key Terms

Schedule 13G, beneficially owned, sole dispositive power, percent of class

4 terms

Schedule 13G regulatory

"WhiteRock Wealth Design LLC has a significant shareholder reporting on a Schedule 13G"

A Schedule 13G is a formal document that investors file with the government when they acquire a large ownership stake in a company, usually for investment purposes rather than control. It helps keep the public informed about who owns significant parts of a company's shares, which can influence how the company is managed and how investors make decisions. Filing this schedule is important for transparency and understanding the ownership landscape of publicly traded companies.

beneficially owned financial

"Amount beneficially owned: 138,972"

Beneficially owned describes securities or assets where a person has the economic rights and control—such as the right to receive dividends and to direct voting—even if legal title is held in another name. Think of it like having the keys and using a car that’s registered to someone else: you get the benefits and make decisions. Investors care because beneficial ownership reveals who truly controls value and voting power, affecting corporate decisions and takeover dynamics.

sole dispositive power financial

"Sole power to dispose or to direct the disposition of: WhiteRock Wealth Design LLC - 138,972"

Sole dispositive power is the exclusive legal authority to decide what happens to a security — for example, whether to sell, transfer, or retain shares — without needing anyone else’s permission. Investors care because it signals who truly controls the economic outcome of an investment: like holding the only key to a safe, the holder can realize gains or losses and may trigger regulatory reporting, insider rules, or influence over corporate ownership.

percent of class financial

"Percent of class: 9 %"

Percent of class is the portion of a specific category of securities—such as a company’s common shares, preferred shares, or a bond series—that takes part in or approves a corporate action (vote, consent, tender, etc.). Investors watch this number because it reveals how much support or opposition exists within that particular shareholder group; like counting how many members of a club back a proposal, it can determine whether a plan passes or how influence is distributed.

FAQ

What percentage of PFSB common stock does WhiteRock Wealth Design LLC own?

WhiteRock Wealth Design LLC reported beneficial ownership of 9% of the class of PFS Bancorp, Inc. common stock, corresponding to 138,972 shares, according to its Schedule 13G filing.

How many PFSB shares are beneficially owned by WhiteRock Wealth Design LLC?

WhiteRock Wealth Design LLC reported 138,972 shares of PFS Bancorp, Inc. common stock as beneficially owned on its Schedule 13G, representing 9% of the outstanding class.

Does WhiteRock Wealth Design LLC have voting power over its PFSB shares?

WhiteRock Wealth Design LLC reported 0 shares with sole voting power and 0 shares with shared voting power in PFS Bancorp, Inc. It reported only dispositive power over the shares, not voting power.

What dispositive power does WhiteRock Wealth Design LLC report over its PFSB holdings?

WhiteRock Wealth Design LLC reported sole dispositive power over 138,972 shares of PFS Bancorp, Inc. common stock and 0 shares with shared dispositive power.

Who signed the Schedule 13G for PFSB related to WhiteRock Wealth Design LLC?

The Schedule 13G was signed by Jeffrey Meekins, identified as Financial Advisor, on behalf of WhiteRock Wealth Design LLC, dated 08/27/2026.

Where is WhiteRock Wealth Design LLC, a 9% holder of PFSB, organized?

WhiteRock Wealth Design LLC, which reported 9% beneficial ownership of PFS Bancorp, Inc., indicated its citizenship/place of organization as Arkansas.

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Available on EDGAR 08/28/2026 - 04:20 PM Accepted by SEC EDGAR 08/28/2026 - 04:19 PM Learn about SEC filing dates

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

SCHEDULE 13G

UNDER THE SECURITIES EXCHANGE ACT OF 1934

PFS Bancorp, Inc.

(Name of Issuer)

Common Stock

(Title of Class of Securities)

69380A102

(CUSIP Number)

06/30/2026

(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)

schemaVersion:

SCHEDULE 13G

CUSIP Number(s): 69380A102

1

Names of Reporting Persons

WhiteRock Wealth Design LLC

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

ARKANSAS

Number of Shares Beneficially Owned by Each Reporting Person With:

5	Sole Voting Power 0.00
6	Shared Voting Power 0.00
7	Sole Dispositive Power 138,972.00
8	Shared Dispositive Power 0.00

9

Aggregate Amount Beneficially Owned by Each Reporting Person

138,972.00

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)

9 %

12

Type of Reporting Person (See Instructions)

IA

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: WhiteRock Wealth Design LLC
(b)	Address or principal business office or, if none, residence: 4426 N WATERSIDE CT 110 FAYETTEVILLE, Arkansas 72703
(c)	Citizenship: WhiteRock Wealth Design LLC - ARKANSAS
(d)	Title of class of securities: Common Stock
(e)	CUSIP Number(s): 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: 138,972
(b)	Percent of class: 9 %
(c)	Number of shares as to which the person has:
	(i) Sole power to vote or to direct the vote: WhiteRock Wealth Design LLC - 0
	(ii) Shared power to vote or to direct the vote: WhiteRock Wealth Design LLC - 0
	(iii) Sole power to dispose or to direct the disposition of: WhiteRock Wealth Design LLC - 138,972
	(iv) Shared power to dispose or to direct the disposition of: WhiteRock Wealth Design LLC - 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.

WhiteRock Wealth Design LLC

Signature:	Jeffrey Meekins
Name/Title:	Financial Advisor
Date:	08/27/2026