BlastPoint's Banking Scorecard
The Peoples Bank
Designations: ✓ Community bank
Gambier, OH
2 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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits +1.7% year over year ($54.3M on the books).
- Delinquency rate 0.34%.
- Return on assets 0.29%.
- Efficiency ratio 88.77% vs a 119.40% peer average.
- Loan-to-deposit ratio 57.54% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Peoples Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 17.77% above tier average
- + Net Interest Margin 0.08% above tier average
- + Efficiency Ratio 30.62% below tier average
- + Delinquency Rate 1.14% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.70% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$60.4M
+2.4% YoY
+2.1% QoQ
|
-$2.0M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
45% |
| Total Loans ? |
$31.2M
-2.8% YoY
+7.8% QoQ
|
-$3.7M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
47% |
| Total Deposits ? |
$54.3M
+1.7% YoY
+2.0% QoQ
|
+$2.7M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
52% |
| Return on Assets ? |
0.29%
+32.2% YoY
+48.6% QoQ
|
-0.70% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
20% |
| Net Interest Margin ? |
3.99%
+7.1% YoY
+4.6% QoQ
|
+0.08% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
56% |
| Efficiency Ratio ? |
88.77%
-4.3% YoY
-3.6% QoQ
|
-30.62% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
19% |
| Delinquency Rate ? |
0.34%
-61.0% YoY
-15.3% QoQ
|
-1.14% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
55% |
| Loan-to-Deposit Ratio ? |
57.54%
-4.3% YoY
+5.7% QoQ
|
-16.67% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
41.26%
+6.7% YoY
+3.0% QoQ
|
+17.77% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Top 8.2% in tier |
| Nonperforming Asset Ratio ? |
0.17%
-63.0% YoY
-10.5% QoQ
|
-0.66% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
54% |
| Tier 1 Capital Ratio ? |
23.81%
+4.7% YoY
-3.7% QoQ
|
-3.31% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
77% |
| Non-Interest Income / Assets ? |
0.18%
-5.8% YoY
+99.6% QoQ
|
-1.20% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
67% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 |
41.3%
+2.6pp YoY +1.2pp QoQ |
+16.6pp | 24.6% | 18.8% | 22.2% | 91% |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
9.3%
+2.0pp YoY +3.3pp QoQ |
-4.1pp | 13.4% | 10.2% | 12.5% | 48% |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
71.7%
+0.9pp YoY -2.1pp QoQ |
+36.7pp | 35.0% | 50.0% | 31.3% | 88% |
| Consumer |
2.7%
-1.9pp YoY -0.8pp QoQ |
-4.9pp | 7.7% | 4.7% | 5.0% | 28% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
23.8%
+1.1pp YoY -0.9pp QoQ |
-14.9pp | 38.7% | 22.1% | 19.7% | 60% |
| Leverage Ratio |
10.8%
0.0pp YoY -0.3pp QoQ |
-6.9pp | 17.7% | 12.9% | 12.6% | 27% |
| Total Capital Ratio |
24.7%
+1.1pp YoY -0.7pp QoQ |
-15.0pp | 39.7% | 23.2% | 20.8% | 59% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
-2 (-11.1%) YoY -2 (-11.1%) QoQ |
+4 | 12 | 2,433 | 482 | 77% |
| Assets per Employee ($) |
$3.8M
+15.2% YoY +14.8% QoQ |
-$2.4M | $6.2M | $7.6M | $8.8M | 16% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 81 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.0%
-0.5pp YoY 0.0pp QoQ |
-0.9pp | 1.0% | 0.2% | 0.4% | 16% |
| Nonaccrual |
0.3%
0.0pp YoY 0.0pp QoQ |
-1.4pp | 1.7% | 0.6% | 1.0% | 30% |
| Allowance Coverage |
2.23x
+156.1% YoY +66.4% QoQ |
-4.18x | 6.41x | 18.95x | 20.23x | 64% |
| Net Charge-off Rate (YTD) |
-0.4%
-0.5pp YoY |
-0.6pp | 0.2% | 0.1% | 0.2% | 2% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
3.0%
+0.5pp YoY +1.0pp QoQ |
-3.4pp | 6.4% | 9.7% | 11.6% | 24% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY -0.1pp QoQ |
-0.6pp | 1.4% | 1.7% | 1.7% | 17% |
| Net Income ($, YTD) |
$87,000
+35.9% YoY — QoQ |
-$231K | $317,817 | $259.3M | $40.4M | 22% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.