The Peoples Bank Co.: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Peoples Bank Co. of Coldwater, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.61% | 1.34% | +0.27% | 69th above |
| ROAE | 17.03% | 13.31% | +3.72% | 76th top |
| Net Interest Margin | 3.21% | 3.93% | -0.72% | 16th bottom |
| Efficiency Ratio | 36.74% | 61.16% | -24.42% | 97th top |
| PPNR / Avg Assets | 2.14% | 1.68% | +0.46% | 78th top |
| Yield on Earning Assets | 4.62% | 5.67% | -1.05% | 11th bottom |
| Cost of Funds | 1.56% | 1.88% | -0.32% | 66th above |
| Net Interest Spread | 2.71% | 3.32% | -0.61% | 21st bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.08% | 0.94% | -0.86% | 75th top |
| NPA / Total Assets | 0.04% | 0.70% | -0.66% | 78th top |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.02% | 0.16% | -0.14% | 35th below |
| ACL / Total Loans | 1.31% | 1.28% | +0.03% | 64th above |
| ACL / NPLs (Coverage) | 1652.46% | 1538.57% | +113.89% | — |
| Texas Ratio | 0.69% | 7.34% | -6.65% | 77th top |
| Provision / NCO | 2109.68% | 1394.58% | +715.10% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.52% | 19.50% | +1.02% | 79th top |
| Tier 1 Ratio | 20.52% | 19.53% | +0.99% | 79th top |
| Total Capital Ratio | 21.77% | 20.62% | +1.15% | 79th top |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.89% | 12.14% | -0.25% | 63rd above |
| Equity / Assets | 9.69% | 11.38% | -1.69% | 39th below |
| TCE / Tangible Assets | 9.68% | 11.09% | -1.41% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.31% | 80.65% | -18.34% | 80th top |
| Core Deposit Ratio | 90.44% | 86.86% | +3.58% | 57th above |
| Wholesale Funding Ratio Ahead of the peer average, behind the median peer. | 3.96% | 5.03% | -1.07% | 46th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.32% | 6.86% | -4.54% | 34th below |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.61% | 7.90% | -1.29% | 58th above |
| Deposit Growth (Y/Y) | -1.36% | 6.29% | -7.65% | 16th bottom |
See The Peoples Bank Co.'s peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Peoples Bank Co., freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Peoples Bank Co. profile, how to read a UBPR, or how this data updates.