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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

$859.2MAssets
$460.3MLoans
$738.8MDeposits
$83.2MEquity
Loan mix
88%RE $367.9M10%C&I $42.8M2%Consumer $9.5MQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $601.0M19%Noninterest $137.8MQ2 2025Q2 2026

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%

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.

Financial Results

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

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.64%1.53%1.61%1.68%1.66%+3 bps
Return on Equity21.44%19.21%19.49%17.50%17.25%-419 bps
Net Interest Margin2.84%2.86%2.90%3.03%3.01%+17 bps
Efficiency Ratio39.99%39.30%39.48%39.40%38.43%-156 bps
Non-Interest Burden0.94%0.93%0.93%0.91%0.91%-4 bps
Growth
Asset Growth (YoY)5.17%0.71%3.06%0.83%2.32%-285 bps
Loan Growth (YoY)9.58%8.41%5.57%3.41%6.61%-297 bps
Deposit Growth (YoY)3.14%-0.77%0.24%-1.34%-1.36%-450 bps
Asset Quality
Nonperforming Loans / Loans0.03%0.05%0.08%0.17%0.13%+10 bps
Net Charge-Offs / Loans0.00%0.00%0.01%0.01%0.01%+1 bps
Allowance / Loans1.10%1.32%1.24%1.28%1.31%+21 bps
Allowance Coverage of NPLs38.9x25.5x15.5x7.4x9.9x-29.0x
Capital
Tier 1 Leverage Ratio10.87%11.16%11.52%11.97%11.89%+102 bps
Total Risk-Based Capital20.94%21.54%21.95%22.18%21.77%+83 bps
Equity / Assets8.15%8.87%9.60%9.64%9.69%+154 bps
Liquidity & Funding
Loans / Deposits57.65%58.91%60.15%59.33%62.31%+466 bps
Liquid Assets / Assets6.51%5.51%1.25%3.54%1.88%-463 bps
CRE / Total Capitaln/a141.64%133.18%133.02%n/an/a