The Peoples Bank Co.
Coldwater, OH
IDRSSD: 702911
Total Assets
$831.00M
Latest filing
Total Deposits
$729.07M
Latest filing
Net Interest Margin
3.28%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Peoples Bank Co.
112 W Main St
Coldwater, OH 45828
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/20/1905FDIC Certificate 8362
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Peoples Bank Co. (Main) | 112 W Main St | Coldwater, OH |
| DRIVE-IN BRANCH | North And Mill Streets | Coldwater, OH |
| BURKETTSVILLE BRANCH | Main And Washington Streets | Burkettsville, OH |
| WEST LOGAN BRANCH | 309 W Logan St | Celina, OH |
| EAST WAYNE STREET BRANCH | 818 E Wayne St | Celina, OH |
| ROCKFORD BRANCH | 100 N Main St | Rockford, OH |
| SAINT MARYS BRANCH | 1510 Kishler Dr | Saint Marys, OH |
Showing 6 of 6
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/20/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45828 |
| State and County Number | 39107 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Celina, OH |
Operational Info
| Number of Employees | 69 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.pbc.bank |
| Data Updated | 01/30/2026 |
| CERT | 13220 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $831.00M |
| Total Deposits | $729.07M |
| Total Liabilities | $751.25M |
| Total Equity Capital | $79.75M |
| Net Income | $3.89M |
| Net Loans and Leases | $433.14M |
| Assets Per Employee ($Millions) | $11.87M |
| Bank Premises and Fixed Assets | $1.82M |
| Cash and Balances due from Depository Institutions | $17.90M |
| Deposits Held in Domestic Offices | $729.07M |
Key Performance Ratios
| Return on Assets (ROA) | 1.86% |
| Return on Equity (ROE) | 20.18% |
| Net Interest Margin | 3.28% |
| Efficiency Ratio | 39.97% |
| Tier 1 Risk-Based Capital Ratio | 20.739% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.597% |
| Earning Assets to total Assets | 95.05% |
Income and Expense
| Total Interest Income | $9.54M |
| Total Noninterest Income | $944.00k |
| Total Interest Expense | $3.02M |
| Total Noninterest Expense | $2.98M |
| Net Interest Income | $6.52M |
| Pre-tax Net Operating Income | $4.83M |
| Provision for Credit Losses | $-348,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $15.00k |
| Other borrowed funds | $19.00M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $3.18M |
| Total Liabilities and Capital | $831.00M |
Securities
| Securities | $346.34M |
| Available-for-sale debt securities | $346.34M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Peoples Bank Co.?
$831.00M as of the latest filing.
How much are The Peoples Bank Co.'s total deposits?
$729.07M in total deposits.
Where is The Peoples Bank Co. located?
Coldwater, OH.
What is the Net Interest Margin?
3.28%.
How many domestic offices does it operate?
7.
When was it established?
11/20/1905.
What is the Return on Assets (ROA)?
1.86%.
How much are total loans and leases?
$433.14M (latest filing).
What is the total interest income (latest filing)?
$9.54M.