BlastPoint's Banking Scorecard
Peoples Bank
Marietta, OH
135 branches across OH · KY · WV · VA · DC · MD
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 885 banks in the $1B-$10B peer group nationwide — 1 of 28 in OH.
- Deposits -2.3% year over year ($7.5B on the books).
- Delinquency rate 0.61%.
- Return on assets 1.31%.
- Efficiency ratio 56.08% vs a 59.73% peer average.
- Loan-to-deposit ratio 89.85% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Peoples Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.41% above tier average
- + Efficiency Ratio 3.65% below tier average
- + Delinquency Rate 0.26% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$9.5B
-0.0% YoY
-1.1% QoQ
|
+$6.7B |
$2.8B
-0.6% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Top 0.9% in tier |
| Total Loans ? |
$6.7B
+3.3% YoY
+0.7% QoQ
|
+$4.8B |
$2.0B
-0.3% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Top 1.9% in tier |
| Total Deposits ? |
$7.5B
-2.3% YoY
-2.5% QoQ
|
+$5.2B |
$2.3B
-0.5% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Top 1.7% in tier |
| Return on Assets ? |
1.31%
+16.4% YoY
-1.4% QoQ
|
-0.09% |
1.39%
+17.0% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
55% |
| Net Interest Margin ? |
4.28%
+1.8% YoY
+1.6% QoQ
|
+0.41% |
3.87%
+6.2% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
80% |
| Efficiency Ratio ? |
56.08%
-1.7% YoY
-0.1% QoQ
|
-3.65% |
59.73%
-12.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
60% |
| Delinquency Rate ? |
0.61%
-2.4% YoY
+2.7% QoQ
|
-0.26% |
0.87%
+11.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
89.85%
+5.7% YoY
+3.3% QoQ
|
+4.82% |
85.04%
-0.1% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
41% |
| Non-Interest-Bearing Deposit Share ? |
21.26%
+6.6% YoY
+3.0% QoQ
|
-0.02% |
21.27%
-1.5% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
57% |
| Nonperforming Asset Ratio ? |
0.43%
-11.9% YoY
+4.7% QoQ
|
-0.24% |
0.67%
+11.7% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
49% |
| Tier 1 Capital Ratio ? |
12.30%
+2.5% YoY
+1.5% QoQ
|
-2.54% |
14.84%
-0.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.61%
+5.0% YoY
+103.1% QoQ
|
+0.08% |
0.53%
+2.5% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Top 12.9% in tier |
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 |
21.3%
+1.3pp YoY +0.6pp QoQ |
-0.1pp | 21.4% | 18.8% | 22.2% | 57% |
| Brokered Deposits |
3.0%
-2.8pp YoY -0.4pp QoQ |
-6.4pp | 9.5% | 7.7% | 8.5% | 36% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.3%
+3.3pp YoY +0.9pp QoQ |
+14.3pp | 14.0% | 10.2% | 12.5% | 90% |
| CRE |
36.0%
-0.8pp YoY -0.7pp QoQ |
-14.0pp | 50.0% | 34.2% | 41.4% | 17% |
| 1-4 Family |
18.0%
-0.9pp YoY -0.1pp QoQ |
-8.4pp | 26.4% | 50.0% | 31.3% | 38% |
| Consumer |
12.1%
-0.3pp YoY -0.2pp QoQ |
+7.3pp | 4.7% | 4.7% | 5.0% | 91% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
12.3%
+0.3pp YoY +0.2pp QoQ |
-3.3pp | 15.6% | 22.1% | 19.7% | 29% |
| Leverage Ratio |
9.7%
+0.2pp YoY +0.2pp QoQ |
-1.6pp | 11.3% | 12.9% | 12.6% | 28% |
| Total Capital Ratio |
13.4%
+0.3pp YoY +0.2pp QoQ |
-3.3pp | 16.7% | 23.2% | 20.8% | 30% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
1,443
-34 (-2.3%) YoY -15 (-1.0%) QoQ |
+1,129 | 313 | 2,433 | 482 | 99% |
| Assets per Employee ($) |
$6.6M
+2.3% YoY -0.1% QoQ |
-$3.9M | $10.5M | $7.6M | $8.8M | 19% |
| Branch Count |
135
0 YoY 0 QoQ |
+115 | 20 | 81 | 18 | 100% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.1%
0.0pp YoY +0.1pp QoQ |
0.0pp | 0.2% | 0.2% | 0.4% | 80% |
| Nonaccrual |
0.5%
0.0pp YoY -0.1pp QoQ |
-0.3pp | 0.8% | 0.6% | 1.0% | 48% |
| Allowance Coverage |
1.91x
+3.7% YoY -3.7% QoQ |
-16.80x | 18.71x | 18.95x | 20.23x | 47% |
| Net Charge-off Rate (YTD) |
0.3%
-0.1pp YoY 0.0pp QoQ |
+0.1pp | 0.3% | 0.1% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.5%
+1.3pp YoY -0.2pp QoQ |
-2.1pp | 12.6% | 9.7% | 11.6% | 37% |
| Cost of Funds (YTD) |
1.6%
-0.2pp YoY 0.0pp QoQ |
-0.3pp | 1.9% | 1.7% | 1.7% | 30% |
| Net Income ($, YTD) |
$62.7M
+19.7% YoY — QoQ |
+$43.4M | $19.2M | $259.3M | $40.4M | 96% |
Get Full Access to Peoples Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.