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The Peoples Bank Co.

Coldwater, OH
IDRSSD: 702911
Total Assets
$840.46M
Latest filing
Total Deposits
$744.20M
Latest filing
Net Interest Margin
3.15%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date11/20/1905
Community BankYes
Ownership TypeNot Mutual
ZIP45828
State and County Number39107
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number04
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameCelina, OH

Operational Info

Number of Employees71
Domestic Offices7
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.pbc.bank
Data Updated11/14/2025
CERT13220
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$840.46M
Total Deposits$744.20M
Total Liabilities$765.92M
Total Equity Capital$74.54M
Net Income$2.74M
Net Loans and Leases$432.59M
Assets Per Employee ($Millions)$12.18M
Bank Premises and Fixed Assets$1.83M
Cash and Balances due from Depository Institutions$53.13M
Deposits Held in Domestic Offices$744.20M

Key Performance Ratios

Return on Assets (ROA)1.3%
Return on Equity (ROE)15.33%
Net Interest Margin3.15%
Efficiency Ratio37.97%
Tier 1 Risk-Based Capital Ratio20.286%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.51%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.869%
Earning Assets to total Assets95.08%

Income and Expense

Total Interest Income$9.34M
Total Noninterest Income$716.00k
Total Interest Expense$3.05M
Total Noninterest Expense$2.66M
Net Interest Income$6.28M
Pre-tax Net Operating Income$3.33M
Provision for Credit Losses$1.07M
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$2.72M
Total Liabilities and Capital$840.46M

Securities

Securities$320.38M
Available-for-sale debt securities$320.23M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$150.00k
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Peoples Bank Co.?
$840.46M as of the latest filing.
How much are The Peoples Bank Co.'s total deposits?
$744.20M in total deposits.
Where is The Peoples Bank Co. located?
Coldwater, OH.
What is the Net Interest Margin?
3.15%.
How many domestic offices does it operate?
7.
When was it established?
11/20/1905.
What is the Return on Assets (ROA)?
1.3%.
How much are total loans and leases?
$432.59M (latest filing).
What is the total interest income (latest filing)?
$9.34M.