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Peoples Bank Co., The

Coldwater, OH · Cert 13220 · Peoples Holding Co. Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

65

Q2 2024Q2 2026peer median (50)

Asset Quality

56

Q2 2024Q2 2026peer median (50)

Profitability

67

Q2 2024Q2 2026peer median (50)

Liquidity

28

Q2 2024Q2 2026peer median

Efficiency

99

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Peoples Bank Co., The

Coldwater, OH · Cert 13220 · Peoples Holding Co. Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$859.2MAssets
$460.3MLoans
$738.8MDeposits
$83.2MEquity
Loan mix
88%RE $367.9M10%C&I $42.8M2%Consumer $9.5MQ3 2024Q2 2026
Deposit mix
81%Interest-bearing $601.0M19%Noninterest $137.8MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.66%, up 3 bps year over year; NIM at 3.01%.
  • Asset quality: problem loans at 0.13% of loans (+10 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 11.89%, up 102 bps from a year ago.
  • Funding: loans stand at 62.31% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.66%+3 bps YoY

Net Interest Margin (YTD, annualized)

3.01%+17 bps YoY

Efficiency Ratio (YTD, annualized)

38.43%-156 bps YoY

Tier 1 Leverage Ratio

11.89%+102 bps YoY

NIM

3.74%Q2 ’244.18%Q2 ’254.33%Q2 ’26+24%+6%

Non-interest income vs. expense

1.25%Q2 ’241.26%Q2 ’251.31%Q2 ’26+3%-4%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.15%1.23%1.69%1.64%1.53%1.61%1.68%1.66%+3 bps
Return on Equity16.50%17.57%22.88%21.44%19.21%19.49%17.50%17.25%-419 bps
Net Interest Margin2.31%2.40%2.80%2.84%2.86%2.90%3.03%3.01%+17 bps
Efficiency Ratio44.36%43.98%39.51%39.99%39.30%39.48%39.40%38.43%-156 bps
Non-Interest Burden0.85%0.89%0.90%0.94%0.93%0.93%0.91%0.91%-4 bps
Growth
Asset Growth (YoY)17.33%10.33%15.99%5.17%0.71%3.06%0.83%2.32%-285 bps
Loan Growth (YoY)14.38%12.59%13.56%9.58%8.41%5.57%3.41%6.61%-297 bps
Deposit Growth (YoY)19.40%14.61%18.41%3.14%-0.77%0.24%-1.34%-1.36%-450 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.15%0.03%0.05%0.08%0.17%0.13%+10 bps
Net Charge-Offs / Loans0.01%0.00%0.00%0.00%0.00%0.01%0.01%0.01%+1 bps
Allowance / Loans1.23%1.20%1.12%1.10%1.32%1.24%1.28%1.31%+21 bps
Allowance Coverage of NPLsn/an/a7.7x38.9x25.5x15.5x7.4x9.9x-29.0x
Capital
Tier 1 Leverage Ratio10.30%10.28%10.77%10.87%11.16%11.52%11.97%11.89%+102 bps
Total Risk-Based Capital20.63%20.19%20.90%20.94%21.54%21.95%22.18%21.77%+83 bps
Equity / Assets7.40%7.07%7.67%8.15%8.87%9.60%9.64%9.69%+154 bps
Liquidity & Funding
Loans / Deposits53.91%57.12%56.60%57.65%58.91%60.15%59.33%62.31%+466 bps
Liquid Assets / Assets5.42%2.93%7.09%6.51%5.51%1.25%3.54%1.88%-463 bps
CRE / Total Capitaln/an/an/an/a141.64%133.18%133.02%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Peoples Bank Co., The

Coldwater, OH · Cert 13220 · Peer group: banks under $1B in assets in OH (n=68-71) · Peoples Holding Co. Inc.

State charter, non-member · FDIC · 7 branches

Q2 2026

$859.2MAssets
$460.3MLoans
$738.8MDeposits
$83.2MEquity

Executive Summary

  • Strongest standing: efficiency ratio outperforms 99% of banks under $1B in assets in OH (rank 2 of 71).
  • Widest gap: net interest margin trails 73% of banks under $1B in assets in OH (rank 52 of 71).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.63%

Rank 11 of 71

Net Interest Margin

3.01%

Rank 52 of 71

Efficiency Ratio

38.43%

Rank 2 of 71

Equity / Assets

9.69%

Rank 41 of 71

Non-interest income vs. expense

$3.6M$11.4MINCOMEEXPENSE
Unfavorable gap of $7.9M · efficiency ratio beats 99% of banks under $1B in assets in OH
Bank 38.43%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.63%0.62%1.02%1.39%Beats 85%11 / 71
Return on Equity16.87%5.62%10.07%13.60%Beats 89%8 / 71
Net Interest Margin3.01%2.93%3.56%4.07%Beats 27%52 / 71
Efficiency Ratio38.43%55.94%70.77%78.80%Beats 99%2 / 71
Asset Quality
Nonperforming Loans / Loans0.13%0.08%0.27%0.97%Beats 69%22 / 68
Net Charge-Offs / Loans0.01%n/a0.00%0.05%Beats 43%41 / 68
Capital
Tier 1 Capital Ratio20.52%11.18%13.77%20.34%Beats 76%17 / 71
Total Risk-Based Capital Ratio21.77%12.08%14.34%21.24%Beats 77%16 / 71
Equity / Assets9.69%8.41%10.74%13.32%Beats 42%41 / 71
Liquidity & Funding
Loans / Deposits62.31%64.48%76.81%87.49%19th pctl55 / 68
Loans / Assets53.57%55.33%65.58%72.51%23rd pctl55 / 71
Brokered Deposits / Depositsn/aNot reported for this institution