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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

3.95%Q2 ’244.24%Q2 ’254.42%Q2 ’26+19%+5%

Non-interest income vs. expense

1.30%Q2 ’241.29%Q2 ’251.28%Q2 ’26+4%-8%

Executive Summary

  • Earnings: ROA of 1.65%, up 7 bps year over year; NIM at 3.05%.
  • Asset quality: problem loans at 0.13% of loans (+10 bps YoY), with net charge-offs at 0.02%.
  • 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 (quarter, annualized)

1.65%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.05%+15 bps YoY

Efficiency Ratio (quarter, annualized)

37.45%-301 bps YoY

Tier 1 Leverage Ratio

11.89%+102 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.58%1.30%1.86%1.68%1.65%+7 bps
Return on Equity19.98%15.33%20.18%17.50%17.03%-294 bps
Net Interest Margin2.90%2.93%3.03%3.03%3.05%+15 bps
Efficiency Ratio40.46%37.97%39.97%39.40%37.45%-301 bps
Non-Interest Burden1.00%0.91%0.95%0.91%0.92%-8 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%0.01%0.01%0.01%0.02%+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