BlastPoint's Banking Scorecard

The Peoples Bank

under $100M Specialty: Other OH FDIC cert 389

Designations: ✓ Community bank

Gambier, OH

2 branches across OH

537 banks in the under $100M peer group nationally 22 in OH

The Peoples Bank has 2 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

+ Non-Interest-Bearing Deposit Share 16.26% above tier average
+ Delinquency Rate 0.96% below tier average

Key Concerns

Areas that may need attention

- ROA 0.66% below tier average
- Net Interest Margin 0.05% below tier average
- Efficiency Ratio 4.43% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$59.2M +2.6% YoY +1.3% QoQ	-$3.1M	$62.3M -0.5% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	45%
Total Loans ?	$29.0M -9.0% YoY -5.3% QoQ	-$5.3M	$34.3M -1.5% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	43%
Total Deposits ?	$53.2M +1.9% YoY +1.7% QoQ	+$1.4M	$51.8M -0.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	50%
Return on Assets ?	0.20% -40.9% QoQ	-0.66%	0.86% -3.6% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	19%
Net Interest Margin ?	3.82% +6.3% YoY -0.4% QoQ	-0.05%	3.87% +2.7% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	50%
Efficiency Ratio ?	92.06% -7.8% YoY +4.1% QoQ	+4.43%	87.63% +2.3% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	18%
Delinquency Rate ?	0.40% -15.7% YoY -19.5% QoQ	-0.96%	1.36% +33.7% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	54.44% -10.7% YoY -6.9% QoQ	-9.67%	64.11% -0.9% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	65%
Non-Interest-Bearing Deposit Share ?	40.05% +6.8% YoY +6.4% QoQ	+16.26%	23.79% +0.5% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	Top 9.1% in tier
Nonperforming Asset Ratio ?	0.19% -25.2% YoY -24.8% QoQ	-0.58%	0.77% +28.7% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	53%
Tier 1 Capital Ratio ?	24.73% +10.2% YoY +1.5% QoQ	-2.04%	26.77% +2.0% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	79%
Non-Interest Income / Assets ?	0.09% -2.5% YoY -76.4% QoQ	-0.58%	0.67% +1.6% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	66%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 40.05%

Peer Median: 23.79%

#50 of 537 Top 9.1% in under $100M

114

Tier 1 Capital Ratio

capital

Value: 24.73%

Peer Median: 26.77%

#114 of 537 Top 21.0% in under $100M

Top Weaknesses (2 metrics)

441

Efficiency Ratio

profitability

Value: 92.06%

Peer Median: 87.63%

#441 of 537 Bottom 18.1% in under $100M

437

Return on Assets

profitability

Value: 0.20%

Peer Median: 0.86%

#437 of 537 Bottom 18.8% in under $100M