The Peoples Bank Co.
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank Co. is an FDIC-insured commercial bank headquartered in Coldwater, OH, established in 1905 (FDIC certificate 13220), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $859.2M, up 2.3% from Q2 2025, the 41st largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 20.52% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 13220
- Headquarters
- Coldwater, OH
- Established
- 1905
- Total assets, Q2 2026
- $859.2M
- Assets vs Q2 2025
- +2.3%
- CET1 ratio, Q2 2026
- 20.52%
- Domestic offices
- 7 FDIC institution directory, current count
- Routing number
- 042309222
- Latest call report
- Q2 2026, FFIEC 051 · The Peoples Bank Co. call report
- Holding company
- PEOPLES HOLDING COMPANY, INC.
- Asset rank in state
- 41st of 154 in Ohio
The Peoples Bank Co. runs leaner than most banks of its size. The Coldwater, Ohio bank had $859 million in assets at June 30, 2026, up 2.3% from a year earlier. It spends about 37 cents to bring in each dollar of revenue, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). On the other hand, it keeps 3.21 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
Loans and deposits moved in opposite directions: over the year loans rose 6.6% and deposits fell 1.4%. Paper losses on its bond portfolio are shrinking: unrealized losses of $26 million equal 25% of Tier 1 capital, down from 34% a year earlier.
As of June 30, 2026, The Peoples Bank Co. reported a CET1 capital ratio of 20.52%, a return on assets of 1.61%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 0.69%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, The Peoples Bank Co. is the 41st largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.0% to $859.2M, loans rose 5.1% and deposits rose 0.1%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 35.7% of total loans, ahead of farmland and other real estate loans at 16.7%. The FDIC Summary of Deposits lists 7 offices for it, in 5 cities in OH; its Coldwater 2 offices book 57% of its branch deposits. By the capital ratios in its Q2 2026 call report, The Peoples Bank Co. meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 112 W Main St, Coldwater, OH 45828
- County
- Mercer
- Metro Area
- Celina, OH
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- November 20, 1905
- Former names
- The Peoples Bank Co. (1963)
- Domestic offices
- 7 FDIC institution directory, current count
- Employees (FTE)
- 69
- Domestic deposits
- $738.8M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $31K
- Average total assets
- $871.5M
- Average total loans
- $451.0M
- Average interest-bearing deposits
- $597.2M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 13220
- Fed RSSD
- 702911
- Website
- www.pbc.bank →
- Parent Holding Company
- PEOPLES HOLDING COMPANY, INC. (RSSD 2684543)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
The Peoples Bank Co.'s total assets moved between a low of $711.3M (Q3 2023) and a high of $859.2M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$859.2M total assets against $839.7M; $776.0M total liabilities against $771.3M.
$454.3M net loans and leases against $427.0M; $738.8M total deposits against $749.0M.
$344.9M securities against $313.2M; $23.5M cash and balances due against $64.3M.
$9.6M total interest income against $9.1M; $3.0M total interest expense against $2.9M.
$6.6M net interest income against $6.2M.
$792K total noninterest income against $637K; $2.8M total noninterest expense against $2.8M.
$396K provision for credit losses against $22K.
$3.5M net income against $3.3M.
1.61% return on assets against 1.55%; 3.21% net interest margin against 3.06%.
20.52% CET1 capital ratio against 19.86%; 11.89% tier 1 leverage ratio against 10.87%.
Inside the full The Peoples Bank Co. terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank Co. rankings
Its closest position to the top of a national ranking is 116 of 3,606, for efficiency ratio; its furthest is 2,864 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.28% (Q3 2025) to 1.81% (Q4 2025) and its net interest margin ran from 2.73% (Q3 2024) to 3.21% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.52% | 1.61% | 0.13% | 0.69% | 3.21% |
| Q1 2026 | 20.95% | 1.65% | 0.17% | 0.90% | 3.19% |
| Q4 2025 | 20.74% | 1.81% | 0.08% | 0.43% | 3.16% |
| Q3 2025 | 20.29% | 1.28% | 0.05% | 0.30% | 3.08% |
| Q2 2025 | 19.86% | 1.55% | 0.03% | 0.19% | 3.06% |
| Q1 2025 | 19.80% | 1.64% | 0.15% | 0.92% | 2.95% |
| Q4 2024 | 19.05% | 1.36% | 0.00% | 0.02% | 2.88% |
| Q3 2024 | 19.47% | 1.51% | 0.00% | 0.02% | 2.73% |
Swipe the table sideways to see every column.
Branch Network
View all 7 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Peoples Bank Co. | Coldwater , OH | 45828 | $380.0M |
| West Logan Branch | Celina , OH | 45822 | $100.5M |
| Burkettsville Branch | Burkettsville , OH | 45310 | $68.3M |
| East Wayne Street Branch | Celina , OH | 45822 | $64.1M |
| Rockford Branch | Rockford , OH | 45882 | $45.5M |
| Drive-In Branch | Coldwater , OH | 45828 | $42.1M |
| Saint Marys Branch | Saint Marys , OH | 45885 | $38.2M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OH, rank 50 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Peoples Bank Co.
What are The Peoples Bank Co.'s total assets?
As of the Q2 2026 filing, The Peoples Bank Co. reported total assets of $859.2 million in its FFIEC call report.
Where is The Peoples Bank Co. headquartered?
It is headquartered in Coldwater, OH, United States.
When was The Peoples Bank Co. founded?
It was established in 1905, per the FDIC institution directory.
Is The Peoples Bank Co. FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #13220). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Peoples Bank Co.?
The Peoples Bank Co.'s primary federal regulator is the FDIC.
What is The Peoples Bank Co.'s CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.52% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Peoples Bank Co. operate?
It operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Peoples Bank Co.'s Texas Ratio?
Its Texas Ratio is 0.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Peoples Bank Co. previously called?
The charter now named The Peoples Bank Co. has also operated as The Peoples Bank Co. (1963), per FDIC structure-change records.
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