BanksPEOPLES BANK, THE

PEOPLES BANK, THE

GAMBIER, OHMicroEst. June 1, 1920, midnightFDIC #389RSSD #378110FDIC
Latest · 2025-12-31

PEOPLES BANK, THE is an 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%. CET1 capital ratio: 24.37%, well above regulatory minimums. NPL ratio: 0.49% · Texas Ratio: 2.54%. Operates 2 domestic branches.

Assets
$58M
Deposits
$52M
Loans
$31M
Equity
$6M

Profitability

Return on Assets (ROA)0.62%
Return on Equity (ROE)6.28%
Net Interest Margin4.21%
Yield on Assets5.16%
Cost of Funds0.97%

Asset Quality

NPL Ratio0.49%
Net Charge-Off Ratio0.47%
Texas Ratio2.54%
NPA Ratio0.26%
ACL / Loans0.47%

Capital & Liquidity

CET1 Ratio24.37%
Tier 1 Capital24.37%
Total Capital Ratio24.92%
Leverage Ratio10.94%
Loan-to-Deposit58.75%

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