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The Peoples Bank
Gambier, OH · FDIC Certificate #389 · Chartered 06/0
Total assets
$60.44M
Total deposits
$54.29M
Total equity
$5.81M
Net loans
$31.24M
Branches (offices)
2
Net income (YTD)
$87.00K
Rank: #3,966 of 4,213 U.S. banks by assets · #144 of 155 in Ohio. Assets changed 2.4% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.29% |
| Return on equity | 3.01% |
| Net interest margin (YTD) | 3.99% |
| Equity to assets | 9.61% |
| Tier 1 leverage ratio | 10.81% |
| Uninsured deposits (share of deposits) | 16.2% |
| Noncurrent loans (share of loans) | 0.33% |
| Net charge-offs (share of loans) | -0.40% |
| Loans to deposits | 57.5% |
| Real estate loans (share of loans) | 88.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $27.74M | 88.8% | |
| Commercial & industrial | $2.92M | 9.3% | |
| Consumer / individual | $856.00K | 2.7% | |
| Construction & development | $986.00K | 3.2% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $64.05M | $59.51M | -$126.00K | $4.38M |
| Jun 2023 | $60.59M | $55.77M | $47.00K | $4.27M |
| Jun 2024 | $59.45M | $54.48M | -$34.00K | $4.65M |
| Jun 2025 | $59.01M | $53.41M | $64.00K | $5.42M |
| Jun 2026 | $60.44M | $54.29M | $87.00K | $5.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $54.29M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $54.29M.
Similar-sized banks
Commerce Bank Texas ($60.64M) · The Waterford Commercial And Savings Bank ($60.02M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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