What is The Peoples Bank Co.'s financial health grade?

The Peoples Bank Co. has a TFS Financial Health Grade of C+ (score: 78.2/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does The Peoples Bank Co. have?

The Peoples Bank Co. has 7 branch locations across the United States.

Is The Peoples Bank Co. FDIC insured?

Yes, The Peoples Bank Co. is FDIC insured (Certificate #13220).

What are the total assets of The Peoples Bank Co.?

The Peoples Bank Co. has total assets of $831.0M as reported in its most recent FDIC filing.

The Peoples Bank Co.

BankColdwater, Ohio

www.pbc.bank

Total Assets

$831.0M

Total Deposits

$729.1M

Branches

Established

1905

TFS Health Grade

C+

78.2 / 100

Average financial health

How we grade

The Peoples Bank Co. is a bank headquartered in Coldwater, Ohio, established in 1905. With $831.0M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C+ (78.2/100).

Capital & Safety

Tier 1 Capital Ratio

11.52%(8%)

Total Capital Ratio

21.95%(10%)

Non-Performing Loan Ratio

0.08%

Profitability

Return on Assets (ROA)

1.61%(1%)

Return on Equity (ROE)

19.49%(10%)

Net Interest Margin

3.17%

Efficiency Ratio

39.48%(60%)

Lending & Liquidity

Total Loans

$438.6M

Loan-to-Deposit Ratio

59.41%

Net Charge-Off Ratio

0.01%

Growth

Asset Growth (YoY)

+3.06%

Deposit Growth (YoY)

+0.24%

Net Income

$13.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
The Peoples Bank Co.HQ	112 W Main St	Coldwater	OH	11
The Peoples Bank Co.	Main And Washington Streets	Burkettsville	OH	11
The Peoples Bank Co.	309 W Logan St	Celina	OH	11
The Peoples Bank Co.	818 E Wayne St	Celina	OH	11
The Peoples Bank Co.	North And Mill Streets	Coldwater	OH	23
The Peoples Bank Co.	100 N Main St	Rockford	OH	11
The Peoples Bank Co.	1510 Kishler Dr	Saint Marys	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.