The Peoples Bank
Gambier, OH
IDRSSD: 378110
Total Assets
$58.45M
Latest filing
Total Deposits
$52.34M
Latest filing
Net Interest Margin
4.06%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Peoples Bank
103 E Wiggin St
Gambier, OH 43022
Full Service - Brick and Mortar
Updated 01/30/2026Established 06/01/1920FDIC Certificate 299
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Peoples Bank (Main) | 103 E Wiggin St | Gambier, OH |
| MOUNT VERNON BRANCH EAST | 11423 Upper Gilchrist Rd | Mount Vernon, OH |
Showing 1 of 1
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 | 06/01/1920 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43022 |
| State and County Number | 39083 |
| 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 | Mount Vernon, OH |
Operational Info
| Number of Employees | 17 |
| Domestic Offices | 2 |
| 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.peoplesgambier.com |
| Data Updated | 01/30/2026 |
| CERT | 389 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $58.45M |
| Total Deposits | $52.34M |
| Total Liabilities | $52.66M |
| Total Equity Capital | $5.79M |
| Net Income | $90.00k |
| Net Loans and Leases | $30.61M |
| Assets Per Employee ($Millions) | $3.65M |
| Bank Premises and Fixed Assets | $853.00k |
| Cash and Balances due from Depository Institutions | $1.76M |
| Deposits Held in Domestic Offices | $52.34M |
Key Performance Ratios
| Return on Assets (ROA) | 0.62% |
| Return on Equity (ROE) | 6.28% |
| Net Interest Margin | 4.06% |
| Efficiency Ratio | 79.09% |
| Tier 1 Risk-Based Capital Ratio | 24.372% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.907% |
| Earning Assets to total Assets | 96.51% |
Income and Expense
| Total Interest Income | $688.00k |
| Total Noninterest Income | $55.00k |
| Total Interest Expense | $126.00k |
| Total Noninterest Expense | $488.00k |
| Net Interest Income | $562.00k |
| Pre-tax Net Operating Income | $114.00k |
| Provision for Credit Losses | $15.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $3.38M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $313.00k |
| Total Liabilities and Capital | $58.45M |
Securities
| Securities | $21.14M |
| Available-for-sale debt securities | $21.14M |
| 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?
$58.45M as of the latest filing.
How much are The Peoples Bank's total deposits?
$52.34M in total deposits.
Where is The Peoples Bank located?
Gambier, OH.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
2.
When was it established?
06/01/1920.
What is the Return on Assets (ROA)?
0.62%.
How much are total loans and leases?
$30.61M (latest filing).
What is the total interest income (latest filing)?
$688.00k.