Marietta, OH · Cert 6544 · Peoples Bcorp Inc.
State charter, Fed member · FED · 132 branches
Q2 2026
Market Position · Cincinnati, OH-KY-IN · 2026 SOD (annual) · 0.4% share · #16 of 54 inst. · $0.7B of $187.5B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.46% | 1.42% | 1.22% | 1.12% | 1.20% | 1.27% | 1.32% | 1.31% | +18 bps | |
| Return on Equity | 12.26% | 11.89% | 9.91% | 9.17% | 9.79% | 10.40% | 10.73% | 10.48% | +131 bps | |
| Net Interest Margin | 4.00% | 4.00% | 3.88% | 3.89% | 3.85% | 3.86% | 3.93% | 3.98% | +8 bps | |
| Efficiency Ratio | 54.70% | 55.49% | 57.29% | 57.03% | 56.38% | 56.32% | 56.13% | 56.08% | -95 bps | |
| Non-Interest Burden | 1.71% | 1.75% | 1.72% | 1.72% | 1.68% | 1.69% | 1.67% | 1.69% | -3 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.28% | 1.12% | -0.18% | 3.41% | 5.35% | 4.27% | 4.37% | -0.01% | -342 bps | |
| Loan Growth (YoY) | 3.09% | 3.23% | 3.63% | 4.35% | 7.28% | 6.28% | 5.34% | 3.32% | -103 bps | |
| Deposit Growth (YoY) | 6.30% | 6.34% | 5.55% | 4.66% | 4.73% | 1.43% | -0.99% | -2.29% | -695 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.99% | 0.67% | 0.62% | 0.61% | 0.58% | 0.63% | 0.58% | 0.60% | -1 bps | |
| Net Charge-Offs / Loans | 0.29% | 0.37% | 0.51% | 0.46% | 0.43% | 0.43% | 0.39% | 0.35% | -11 bps | |
| Allowance / Loans | 1.06% | 1.00% | 1.01% | 1.13% | 1.11% | 1.12% | 1.16% | 1.14% | +1 bps | |
| Allowance Coverage of NPLs | 1.1x | 1.5x | 1.6x | 1.8x | 1.9x | 1.8x | 2.0x | 1.9x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.35% | 9.48% | 9.53% | 9.53% | 9.43% | 9.33% | 9.54% | 9.70% | +18 bps | |
| Total Risk-Based Capital | 12.84% | 12.99% | 13.14% | 13.05% | 13.18% | 13.03% | 13.21% | 13.40% | +35 bps | |
| Equity / Assets | 12.43% | 12.12% | 12.41% | 12.14% | 12.33% | 12.29% | 12.37% | 12.71% | +57 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 83.44% | 83.23% | 82.71% | 85.96% | 85.47% | 87.22% | 88.00% | 90.89% | +493 bps | |
| Liquid Assets / Assets | 9.16% | 9.54% | 8.79% | 10.09% | 10.40% | 10.40% | 9.97% | 9.86% | -24 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 280% | 287% | 277% | n/a | n/a | |