BlastPoint's Banking Scorecard

The Peoples Bank Co.

$100M-$1B Specialty: Other OH FDIC cert 13220

Coldwater, OH

7 branches across OH

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
Deposits -1.4% year over year ($738.8M on the books).
Delinquency rate 0.13%.
Return on assets 1.66%.
Efficiency ratio 38.43% vs a 64.48% peer average.
Loan-to-deposit ratio 61.49% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 96 in OH

View $100M-$1B leaderboard (OH) →

The Peoples Bank Co. has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 26.05% below tier average
+ ROA 0.34% above tier average
+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 18.2% in tier
- Credit Risk Growth: Bottom 25.6% in tier
- Net Interest Margin 0.72% below tier average

Get updates when The Peoples Bank Co. releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$859.2M +2.3% YoY +2.0% QoQ	+$472.7M	$386.6M +1.2% YoY	$36.7B +9.4% YoY	$6.3B +7.7% YoY	Top 5.3% in tier
Total Loans ?	$454.3M +6.4% YoY +5.1% QoQ	+$195.9M	$258.3M +1.7% YoY	$16.2B +12.1% YoY	$3.2B +9.4% YoY	85%
Total Deposits ?	$738.8M -1.4% YoY +0.1% QoQ	+$412.0M	$326.7M +0.7% YoY	$26.4B +7.6% YoY	$4.9B +7.3% YoY	Top 4.7% in tier
Return on Assets ?	1.66% +1.6% YoY -1.2% QoQ	+0.34%	1.32% +10.8% YoY	1.21% +9.4% YoY	1.30% +12.1% YoY	74%
Net Interest Margin ?	3.27% +5.5% YoY +0.6% QoQ	-0.72%	3.99% +5.0% YoY	3.65% +6.4% YoY	3.95% +4.9% YoY	18%
Efficiency Ratio ?	38.43% -3.9% YoY -2.5% QoQ	-26.05%	64.48% -3.2% YoY	70.70% -3.8% YoY	70.05% +2.5% YoY	Top 2.9% in tier
Delinquency Rate ?	0.13% +371.6% YoY -23.6% QoQ	-0.78%	0.92% +15.7% YoY	0.68% +23.3% YoY	0.98% +16.3% YoY	71%
Loan-to-Deposit Ratio ?	61.49% +7.8% YoY +5.0% QoQ	-16.46%	77.95% +1.0% YoY	79.88% +0.7% YoY	79.03% +2.3% YoY	81%
Non-Interest-Bearing Deposit Share ?	18.65% -1.8% YoY -4.2% QoQ	-3.38%	22.03% -0.6% YoY	18.59% +0.9% YoY	21.98% -0.6% YoY	39%
Nonperforming Asset Ratio ?	0.07% +338.0% YoY -22.5% QoQ	-0.60%	0.67% +16.4% YoY	0.46% +23.9% YoY	0.69% +15.8% YoY	76%
Tier 1 Capital Ratio ?	20.52% +3.3% YoY -2.1% QoQ	+4.61%	15.91% +1.4% YoY	18.68% -0.2% YoY	17.09% +0.8% YoY	Top 12.6% in tier
Non-Interest Income / Assets ?	0.21% +26.6% YoY +77.0% QoQ	-0.36%	0.57% +7.6% YoY	1.22% +2.7% YoY	0.66% +5.2% YoY	52%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Noninterest-Bearing	18.6% -0.3pp YoY -0.8pp QoQ	-3.5pp	22.1%	18.8%	22.2%	38%
Brokered Deposits	3.3% 0.0pp YoY -0.4pp QoQ	-4.5pp	7.9%	7.7%	8.5%	40%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
C&I	9.5% +0.4pp YoY -0.4pp QoQ	-2.1pp	11.6%	10.2%	12.5%	49%
CRE	32.7% +0.6pp YoY +1.3pp QoQ	-6.9pp	39.5%	34.2%	41.4%	40%
1-4 Family	36.2% -1.0pp YoY -1.1pp QoQ	+3.6pp	32.6%	50.0%	31.3%	64%
Consumer	2.0% -0.5pp YoY -0.2pp QoQ	-2.1pp	4.1%	4.7%	5.0%	48%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
CET1 Ratio	20.5% +0.7pp YoY -0.4pp QoQ	+1.7pp	18.8%	22.1%	19.7%	79%
Leverage Ratio	11.9% +1.0pp YoY -0.1pp QoQ	-0.3pp	12.2%	12.9%	12.6%	63%
Total Capital Ratio	21.8% +0.8pp YoY -0.4pp QoQ	+1.8pp	19.9%	23.2%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Full-Time Employees	69 -2 (-2.8%) YoY 0 QoQ	+10	58	2,433	482	70%
Assets per Employee ($)	$12.5M +5.3% YoY +2.0% QoQ	+$4.9M	$7.5M	$7.6M	$8.8M	94%
Branch Count	7 0 YoY 0 QoQ	+2	4	81	18	75%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.3pp	0.3%	0.2%	0.4%	40%
Nonaccrual	0.1% +0.1pp YoY 0.0pp QoQ	-0.9pp	0.9%	0.6%	1.0%	16%
Allowance Coverage	9.88x -74.6% YoY +34.2% QoQ	-14.27x	24.15x	18.95x	20.23x	81%
Net Charge-off Rate (YTD)	0.0% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.1%	0.1%	0.2%	48%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
ROE	17.2% -4.2pp YoY -0.2pp QoQ	+5.1pp	12.2%	9.7%	11.6%	78%
Cost of Funds (YTD)	1.4% 0.0pp YoY 0.0pp QoQ	-0.3pp	1.7%	1.7%	1.7%	32%
Net Income ($, YTD)	$7.0M +3.7% YoY — QoQ	+$4.5M	$2.6M	$259.3M	$40.4M	96%

Get Full Access to The Peoples Bank Co.

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Quality Pressure

risk

#229 of 1256 • Bottom 18.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.13%

(Tier: 0.92%, National: 0.98%)

better than tier avg

1256 of 1256 Community banks match · 1820 nationally

→ Stable -71 banks QoQ | QoQ rank declining

Credit Risk Growth

risk

#241 of 936 • Bottom 25.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally

→ Stable -58 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (7 metrics)

Efficiency Ratio

profitability

Value: 38.43%

Peer Median: 64.48%

#77 of 2643 Top 2.9% in $100M-$1B

125

Total Deposits

size

Value: $738.76M

Peer Median: $326.73M

#125 of 2643 Top 4.7% in $100M-$1B

140

Total Assets

size

Value: $859.24M

Peer Median: $386.57M

#140 of 2643 Top 5.3% in $100M-$1B

333

Tier 1 Capital Ratio

capital

Value: 20.52%

Peer Median: 15.91%

#333 of 2643 Top 12.6% in $100M-$1B

407

Total Loans

size

Value: $454.28M

Peer Median: $258.35M

#407 of 2643 Top 15.4% in $100M-$1B

505

Loan-to-Deposit Ratio

liquidity

Value: 61.49%

Peer Median: 77.95%

#505 of 2643 Top 19.1% in $100M-$1B

648

Nonperforming Asset Ratio

credit_quality

Value: 0.07%

Peer Median: 0.67%

#648 of 2643 Top 24.5% in $100M-$1B

Top Weaknesses (1 metrics)

2158

Net Interest Margin

profitability

Value: 3.27%

Peer Median: 3.99%

#2158 of 2643 Bottom 18.4% in $100M-$1B