Advertisement
The Peoples Bank Co.
Coldwater, OH · FDIC Certificate #13220 · Chartered 11/2
Total assets
$859.24M
Total deposits
$738.76M
Total equity
$83.25M
Net loans
$454.28M
Branches (offices)
7
Net income (YTD)
$7.02M
Rank: #1,182 of 4,213 U.S. banks by assets · #41 of 155 in Ohio. Assets changed 2.3% and deposits -1.4% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.66% |
| Return on equity | 17.25% |
| Net interest margin (YTD) | 3.27% |
| Equity to assets | 9.69% |
| Tier 1 leverage ratio | 11.89% |
| Uninsured deposits (share of deposits) | 27.4% |
| Noncurrent loans (share of loans) | 0.13% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 61.5% |
| Real estate loans (share of loans) | 85.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $389.84M | 85.8% | |
| Commercial & industrial | $43.19M | 9.5% | |
| Consumer / individual | $9.18M | 2.0% | |
| Construction & development | $28.27M | 6.2% | |
| Agricultural | $12.35M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $685.12M | $618.57M | $4.30M | $46.99M |
| Jun 2023 | $722.68M | $625.06M | $4.17M | $43.19M |
| Jun 2024 | $798.50M | $726.19M | $3.46M | $50.35M |
| Jun 2025 | $839.75M | $748.97M | $6.77M | $68.42M |
| Jun 2026 | $859.24M | $738.76M | $7.02M | $83.25M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $738.76M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $738.76M.
Similar-sized banks
Farmers And Merchants Bank ($861.96M) · Savings Bank Of Walpole ($857.94M)
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.
Advertisement