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  <xsd:element name="CommitmentsAndContingenciesDisclosureLineItems" id="pfsb_CommitmentsAndContingenciesDisclosureLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DebtSecuritiesFairValue" id="pfsb_DebtSecuritiesFairValue" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="InterestPayableAndOtherLiabilities" id="pfsb_InterestPayableAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncreaseDecreaseInInterestPayableAndOtherLiabilities" id="pfsb_IncreaseDecreaseInInterestPayableAndOtherLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="RestrictionOnCashAndDueFromBanksDisclosureTextBlock" id="pfsb_RestrictionOnCashAndDueFromBanksDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InvestmentsEquitySecuritiesAbstract" id="pfsb_InvestmentsEquitySecuritiesAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="InvestmentsEquitySecuritiesDisclosureTextBlock" id="pfsb_InvestmentsEquitySecuritiesDisclosureTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NatureOfOperationsPolicyTextBlock" id="pfsb_NatureOfOperationsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InvestmentInDebtSecuritiesPolicyTextBlock" id="pfsb_InvestmentInDebtSecuritiesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="InvestmentInEquitySecuritiesPolicyTextBlock" id="pfsb_InvestmentInEquitySecuritiesPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FederalHomeLoanBankStockPolicyTextBlock" id="pfsb_FederalHomeLoanBankStockPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="BankOwnedLifeInsurancePolicyTextBlock" id="pfsb_BankOwnedLifeInsurancePolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RateLockCommitmentsPolicyTextBlock" id="pfsb_RateLockCommitmentsPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfPropertyPlantAndEquipmentUsefulLifeTableTextBlock" id="pfsb_ScheduleOfPropertyPlantAndEquipmentUsefulLifeTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfInvestmentInEquitySecuritiesTableTextBlock" id="pfsb_ScheduleOfInvestmentInEquitySecuritiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfGainLossOnEquitySecuritiesTableTextBlock" id="pfsb_ScheduleOfGainLossOnEquitySecuritiesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="NumberOfFacilities" id="pfsb_NumberOfFacilities" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="CommunityDevelopmentCorp.StockMember" id="pfsb_CommunityDevelopmentCorp.StockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="FhlmcPreferredStockMember" id="pfsb_FhlmcPreferredStockMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IncreaseDecreaseInOtherAssetsAndIncomeTaxesReceivable" id="pfsb_IncreaseDecreaseInOtherAssetsAndIncomeTaxesReceivable" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="credit" />
  <xsd:element name="IncreaseDecreaseInCertificateOfDeposits" id="pfsb_IncreaseDecreaseInCertificateOfDeposits" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="CustomerServiceFeesMember" id="pfsb_CustomerServiceFeesMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="CommissionIncomeMember" id="pfsb_CommissionIncomeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="GainsLossesOnSalesOfForeclosedAssetsMember" id="pfsb_GainsLossesOnSalesOfForeclosedAssetsMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ScheduleOfComponentOfProvisionForCreditLossesTableTextBlock" id="pfsb_ScheduleOfComponentOfProvisionForCreditLossesTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="RelatedPartyTransactionsAnnualRetainerFee" id="pfsb_RelatedPartyTransactionsAnnualRetainerFee" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" xbrli:balance="debit" />
  <xsd:element name="TimeDepositMaturitiesYearFiveAndThereafter" id="pfsb_TimeDepositMaturitiesYearFiveAndThereafter" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="U.s.DepartmentOfAgricultureGuaranteedLoansMember" id="pfsb_U.s.DepartmentOfAgricultureGuaranteedLoansMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopDebtStructureIndirectLoanRepaymentTerm" id="pfsb_EmployeeStockOwnershipPlanEsopDebtStructureIndirectLoanRepaymentTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="FinancingReceivableLoansRestructuredModifiedNumberOfContracts" id="pfsb_FinancingReceivableLoansRestructuredModifiedNumberOfContracts" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="LessWeightedAverageDeferredCompensationPlan" id="pfsb_LessWeightedAverageDeferredCompensationPlan" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="EmployeeStockOwnershipPlanEsopLoanToPlanAmount" id="pfsb_EmployeeStockOwnershipPlanEsopLoanToPlanAmount" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="debit" />
  <xsd:element name="JumpstartOurBusinessStartupsActPolicyTextBlock" id="pfsb_JumpstartOurBusinessStartupsActPolicyTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PeruFederalSavingsBankMember" id="pfsb_PeruFederalSavingsBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ForecastTerm" id="pfsb_ForecastTerm" type="xbrli:durationItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="PfsBancorpMember" id="pfsb_PfsBancorpMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="PublicShareholdersMember" id="pfsb_PublicShareholdersMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnallocatedCommonStockOfEsopMember" id="pfsb_UnallocatedCommonStockOfEsopMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="IfEmployeeMetRetirementAgeMember" id="pfsb_IfEmployeeMetRetirementAgeMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShareBasedPaymentArrangementTrancheFiveMember" id="pfsb_ShareBasedPaymentArrangementTrancheFiveMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShareBasedPaymentArrangementTrancheFourMember" id="pfsb_ShareBasedPaymentArrangementTrancheFourMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="NumberOfLoansToHaveCreditLosses" id="pfsb_NumberOfLoansToHaveCreditLosses" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ScheduleOfSecuritiesInLossPositionAndAggregateDepreciationTableTextBlock" id="pfsb_ScheduleOfSecuritiesInLossPositionAndAggregateDepreciationTableTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="DebtSecuritiesAvailableForSaleUnrealizedLossPositionAggregateDepreciationPercentage" id="pfsb_DebtSecuritiesAvailableForSaleUnrealizedLossPositionAggregateDepreciationPercentage" type="dtr-types:percentItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" />
  <xsd:element name="EsopSharesCommittedToBeReleasedShares" id="pfsb_EsopSharesCommittedToBeReleasedShares" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="TaxIncrementalFinancingDistrictCityOfLasalleMember" id="pfsb_TaxIncrementalFinancingDistrictCityOfLasalleMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="UnitedBankersBankMember" id="pfsb_UnitedBankersBankMember" type="dtr-types:domainItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="DeferredCompensationLiabilityReclassifiedFromEquityToLiabilities" id="pfsb_DeferredCompensationLiabilityReclassifiedFromEquityToLiabilities" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="instant" abstract="false" xbrli:balance="credit" />
  <xsd:element name="ShareBasedPaymentArrangementExcludingStockOwnershipPlanAbstract" id="pfsb_ShareBasedPaymentArrangementExcludingStockOwnershipPlanAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
  <xsd:element name="ShareBasedPaymentArrangementExcludingStockOwnershipPlanTextBlock" id="pfsb_ShareBasedPaymentArrangementExcludingStockOwnershipPlanTextBlock" type="dtr-types:textBlockItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingInstallments" id="pfsb_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingInstallments" type="xbrli:integerItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="false" />
  <xsd:element name="ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsIntrinsicValueAbstract" id="pfsb_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsIntrinsicValueAbstract" type="xbrli:stringItemType" substitutionGroup="xbrli:item" nillable="true" xbrli:periodType="duration" abstract="true" />
</xsd:schema>
