Banks PEOPLES BANK CO., THE

PEOPLES BANK CO., THE

COLDWATER, OH Medium Est. Nov. 20, 1905, midnight FDIC #13220 RSSD #702911 FDIC
Latest · 2025-12-31

PEOPLES BANK CO., THE is an FDIC-insured commercial bank headquartered in COLDWATER, OH, established in Nov. 20, 1905, midnight. As of 2025-12-31, the bank reported total assets of $831M and total deposits of $729M. Profitability stands at 1.86% ROA and 20.18% ROE, with a net interest margin of 3.39%. CET1 capital ratio: 20.74%, well above regulatory minimums. NPL ratio: 0.04% · Texas Ratio: 0.23%.

Assets
$831M
Deposits
$729M
Loans
$439M
Equity
$80M

Profitability

Return on Assets (ROA)1.86%
Return on Equity (ROE)20.18%
Net Interest Margin3.39%
Yield on Assets4.96%
Cost of Funds1.60%

Asset Quality

NPL Ratio0.04%
Net Charge-Off Ratio0.01%
Texas Ratio0.23%
NPA Ratio0.02%
ACL / Loans1.24%

Capital & Liquidity

CET1 Ratio20.74%
Tier 1 Capital20.74%
Total Capital Ratio21.95%
Leverage Ratio11.52%
Loan-to-Deposit60.15%

This is just the summary.

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