The Peoples Bank (Gambier, OH)
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Data as of · sourced from FFIEC call reports. How we update
The Peoples Bank is an FDIC-insured commercial bank headquartered in Gambier, OH, established in 1920 (FDIC certificate 389), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $60.4M, up 2.4% from Q2 2025, the 143rd largest of 154 banks headquartered in Ohio. Its CET1 capital ratio was 23.81% 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
- 389
- Headquarters
- Gambier, OH
- Established
- 1920
- Total assets, Q2 2026
- $60.4M
- Assets vs Q2 2025
- +2.4%
- CET1 ratio, Q2 2026
- 23.81%
- Domestic offices
- 2 FDIC institution directory, current count
- Routing number
- 044112488
- Holding company
- PEOPLES BANCSHARES OF GAMBIER INC.
- Asset rank in state
- 143rd of 154 in Ohio
The Peoples Bank, based in Gambier, Ohio, reported $60 million in assets at June 30, 2026, up 2.4% from a year earlier. It pays an average of 0.79% on its deposits and borrowings, about half the median of 1.53% for the 583 banks with less than $100 million in assets. On the other hand, it spends about 86 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 69 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.33% of loans from 0.86%. Loans and deposits moved in opposite directions: over the year loans fell 2.8% and deposits rose 1.7%. Profitability lags: it earns about $0.38 a year on every $100 of assets, about a third the median of $1.06 for banks its size.
As of June 30, 2026, The Peoples Bank reported a CET1 capital ratio of 23.81%, a return on assets of 0.38%, a nonperforming-loan ratio of 0.33% and a Texas ratio of 1.74%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, The Peoples Bank is the 143rd largest of the 154 banks headquartered in Ohio. From Q1 2026 to Q2 2026, its total assets rose 2.1% to $60.4M, loans rose 8.1% and deposits rose 2.0%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 71.2% of total loans, followed by commercial and industrial loans at 9.3%. The FDIC Summary of Deposits lists 2 offices for it, in Gambier, OH and Mount Vernon, OH; its Gambier office books 69% of its branch deposits. Judged on its Q2 2026 call report, The Peoples Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 103 E Wiggin St, Gambier, OH 43022
- County
- Knox
- Metro Area
- Mount Vernon, 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
- June 1, 1920
- Domestic offices
- 2 FDIC institution directory, current count
- Employees (FTE)
- 16
- Domestic deposits
- $54.3M
- Allowance for credit losses
- $234K
- Net charge-offs (YTD)
- -$61K
- Average total assets
- $60.4M
- Average total loans
- $29.7M
- Average interest-bearing deposits
- $32.0M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 389
- Fed RSSD
- 378110
- Website
- www.peoplesgambier.com →
- Parent Holding Company
- PEOPLES BANCSHARES OF GAMBIER INC. (RSSD 1427734)
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's total assets moved between a low of $56.5M (Q4 2024) and a high of $60.4M (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$60.4M total assets against $59.0M; $54.6M total liabilities against $53.6M.
$31.2M net loans and leases against $32.1M; $54.3M total deposits against $53.4M.
$24.2M securities against $19.6M; $3.4M cash and balances due against $5.6M.
$706K total interest income against $672K; $107K total interest expense against $135K.
$599K net interest income against $537K.
$56K total noninterest income against $60K; $562K total noninterest expense against $516K.
$19K provision for credit losses against $0.
$58K net income against $63K.
0.38% return on assets against 0.43%; 4.06% net interest margin against 4.06%.
23.81% CET1 capital ratio against 22.74%; 10.81% tier 1 leverage ratio against 10.85%.
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21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Peoples Bank rankings
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.01% (Q1 2025) to 0.61% (Q4 2025) and its net interest margin ran from 3.48% (Q3 2024) to 4.06% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 23.81% | 0.38% | 0.33% | 1.74% | 4.06% |
| Q1 2026 | 24.73% | 0.20% | 0.39% | 1.95% | 3.97% |
| Q4 2025 | 24.37% | 0.61% | 0.49% | 2.54% | 3.91% |
| Q3 2025 | 23.32% | 0.27% | 0.51% | 2.80% | 3.97% |
| Q2 2025 | 22.74% | 0.43% | 0.86% | 4.89% | 4.06% |
| Q1 2025 | 22.44% | 0.01% | 0.47% | 2.73% | 3.54% |
| Q4 2024 | 22.53% | 0.45% | 0.64% | 3.97% | 3.77% |
| Q3 2024 | 22.13% | 0.41% | 0.59% | 3.54% | 3.48% |
Swipe the table sideways to see every column.
Branch Network
View all 2 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 | Gambier , OH | 43022 | $37.6M |
| Mount Vernon Branch East | Mount Vernon , OH | 43050 | $16.7M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 164 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
What are The Peoples Bank's total assets?
As of the Q2 2026 filing, The Peoples Bank reported total assets of $60.4 million in its FFIEC call report.
Where is The Peoples Bank headquartered?
It is headquartered in Gambier, OH, United States.
When was The Peoples Bank founded?
It was established in 1920, per the FDIC institution directory.
Is The Peoples Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #389). 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?
The Peoples Bank's primary federal regulator is the FDIC.
What is The Peoples Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 23.81% 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 operate?
It operates 2 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's Texas Ratio?
Its Texas Ratio is 1.74% 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.
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