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
Unfavorable gap of $7.9M · efficiency ratio beats 99% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.63% | 0.62% | 1.02% | 1.39% | Beats 85% | 11 / 71 | |
| Return on Equity | 16.87% | 5.62% | 10.07% | 13.60% | Beats 89% | 8 / 71 | |
| Net Interest Margin | 3.01% | 2.93% | 3.56% | 4.07% | Beats 27% | 52 / 71 | |
| Efficiency Ratio | 38.43% | 55.94% | 70.77% | 78.80% | Beats 99% | 2 / 71 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.13% | 0.08% | 0.27% | 0.97% | Beats 69% | 22 / 68 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.00% | 0.05% | Beats 43% | 41 / 68 | |
| Capital |
| Tier 1 Capital Ratio | 20.52% | 11.18% | 13.77% | 20.34% | Beats 76% | 17 / 71 | |
| Total Risk-Based Capital Ratio | 21.77% | 12.08% | 14.34% | 21.24% | Beats 77% | 16 / 71 | |
| Equity / Assets | 9.69% | 8.41% | 10.74% | 13.32% | Beats 42% | 41 / 71 | |
| Liquidity & Funding |
| Loans / Deposits | 62.31% | 64.48% | 76.81% | 87.49% | 19th pctl | 55 / 68 | |
| Loans / Assets | 53.57% | 55.33% | 65.58% | 72.51% | 23rd pctl | 55 / 71 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |