PEOPLES BANK, THE

GAMBIER, OH | Micro | Est. June 1, 1920, midnight | FDIC #389 | RSSD #378110 | FDIC
Latest Report: 2025-12-31

PEOPLES BANK, THE is amn micro FDIC-insured commercial bank headquartered in GAMBIER, OH, established in June 1, 1920, midnight. As of 2025-12-31, the bank reported total assets of $58M and total deposits of $52M. Profitability stands at 0.62% ROA and 6.28% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 24.37%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.49% and a Texas Ratio of 2.54%. FDIC Certificate #389.

Assets

$58M

Deposits

$52M

Loans

$31M

Equity

$6M

Profitability

Return on Assets (ROA) 0.62%
Return on Equity (ROE) 6.28%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.16%
Cost of Funds 1.54%

Asset Quality

NPL Ratio 0.49%
Net Charge-Off Ratio 0.47%
Texas Ratio 2.54%
NPA Ratio 0.26%
ACL / Loans 0.47%

Capital & Liquidity

CET1 Ratio 24.37%
Tier 1 Capital 24.37%
Total Capital Ratio 24.92%
Leverage Ratio 10.94%
Loan-to-Deposit 58.75%

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